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Comparison of Deposit Account from PEN AIR with 5.00% - June 2025

Long-Term Analysis of TIAA Bank / Everbank with 3.50% APY and SUN EAST with 4.60% APY and WESTEX with 0.88% APY and PEN AIR with 5.00% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

ONLINE CD

TIAA Bank / Everbank

3.50%

$50,000

36 Month

Online Bank

4.64x (National Avg. - 0.75%)

$1,000

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

LOCAL CD

SUN EAST

4.60%

$50,000

12 Month

Credit Union

8.33x (National Avg. - 0.55%)

$99,000

SCENARIO

Year	Rate 4.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,300	1,610
2	52,300	2,406	1,684
3	54,706	2,516	1,762
4	57,222	2,632	1,843
5	59,854	2,753	1,927
6	62,608	2,880	2,016
7	65,488	3,012	2,109
8	68,500	3,151	2,206
9	71,651	3,296	2,307
10	74,947	3,448	2,413
11	78,395	3,606	2,524
12	82,001	3,772	2,640
13	85,773	3,946	2,762
14	89,718	4,127	2,889
15	93,846	4,317	3,022
16	98,162	4,515	3,161
17	102,678	4,723	3,306
18	107,401	4,940	3,458
19	112,342	5,168	3,617
20	117,509	5,405	3,784
	TOTAL	$72,915	$51,040

LOCAL CD

WESTEX

0.88%

$50,000

6 Month

Credit Union

2.16x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.88%	Annual Interest	Annual Interest (After Tax)
1	50,000	442	309
2	50,442	446	312
3	50,888	450	315
4	51,338	454	318
5	51,792	458	320
6	52,249	462	323
7	52,711	466	326
8	53,177	470	329
9	53,647	474	332
10	54,122	478	335
11	54,600	483	338
12	55,083	487	341
13	55,570	491	344
14	56,061	496	347
15	56,556	500	350
16	57,056	504	353
17	57,561	509	356
18	58,070	513	359
19	58,583	518	363
20	59,101	522	366
	TOTAL	$9,623	$6,736

LOCAL CD

PEN AIR

5.00%

$50,000

3 Month

Credit Union

2.26x (National Avg. - 2.21%)

$500

SCENARIO

Year	Rate 5.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,500	1,750
2	52,500	2,625	1,838
3	55,125	2,756	1,929
4	57,881	2,894	2,026
5	60,775	3,039	2,127
6	63,814	3,191	2,233
7	67,005	3,350	2,345
8	70,355	3,518	2,462
9	73,873	3,694	2,586
10	77,566	3,878	2,715
11	81,445	4,072	2,851
12	85,517	4,276	2,993
13	89,793	4,490	3,143
14	94,282	4,714	3,300
15	98,997	4,950	3,465
16	103,946	5,197	3,638
17	109,144	5,457	3,820
18	114,601	5,730	4,011
19	120,331	6,017	4,212
20	126,348	6,317	4,422
	TOTAL	$82,665	$57,865

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
Rising Bank, a division of Midwest BankCentre	4.51%	$1,000	Learn More
Last change: ↑0.06% on June 24.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.

Compare Savings vs. CDs Comparison of Deposit Account from PEN AIR with 5.00% - June 2025

Long-Term Analysis of TIAA Bank / Everbank with 3.50% APY and SUN EAST with 4.60% APY and WESTEX with 0.88% APY and PEN AIR with 5.00% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from PEN AIR with 5.00% - June 2025