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Comparison of Deposit Account from PARDA with 0.65% - December 2025


Long-Term Analysis of PARDA with 0.65% APY and ALL IN with 1.26% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    PARDA
    0.65%
    -
    $50,000
    6 Month
    Credit Union
    1.61x (National Avg. - 0.40%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 326 228
    2 50,326 328 229
    3 50,653 330 231
    4 50,983 332 232
    5 51,315 334 234
    6 51,649 336 235
    7 51,985 338 237
    8 52,323 341 238
    9 52,664 343 240
    10 53,007 345 242
    11 53,352 347 243
    12 53,699 350 245
    13 54,049 352 246
    14 54,401 354 248
    15 54,755 356 250
    16 55,111 359 251
    17 55,470 361 253
    18 55,831 363 254
    19 56,195 366 256
    20 56,561 368 258
    TOTAL $6,929 $4,850
  • 2
    LOCAL MONEY MARKET
    ALL IN
    1.26%
    -
    $50,000
    N.A.
    Credit Union
    3.12x (National Avg. - 0.40%)
    $25,000
     
    SCENARIO
    Year Rate
    1.26%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 630 441
    2 50,630 638 447
    3 51,268 646 452
    4 51,914 654 458
    5 52,568 662 464
    6 53,230 671 469
    7 53,901 679 475
    8 54,580 688 481
    9 55,268 696 487
    10 55,964 705 494
    11 56,669 714 500
    12 57,384 723 506
    13 58,107 732 512
    14 58,839 741 519
    15 59,580 751 525
    16 60,331 760 532
    17 61,091 770 539
    18 61,861 779 546
    19 62,640 789 552
    20 63,429 799 559
    TOTAL $14,229 $9,960

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.

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