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Comparison of Deposit Account from Pentucket Bank with 1.13% - November 2025


Long-Term Analysis of Union National Bank and Trust Company of Elgin with 0.05% APY and Union National Bank and Trust Company of Elgin with 0.40% APY and Union National Bank and Trust Company of Elgin with 0.10% APY and Pentucket Bank with 3.40% APY and Pentucket Bank with 3.14% APY and Pentucket Bank with 1.13% APY and Pentucket Bank with 1.21% 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 MONEY MARKET
    Union National Bank and Trust Company of Elgin
    0.05%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    LOCAL CD
    Union National Bank and Trust Company of Elgin
    0.40%
    -
    $50,000
    48 Month
    Bank
    0.49x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 3
    LOCAL CD
    Union National Bank and Trust Company of Elgin
    0.10%
    -
    $50,000
    6 Month
    Bank
    0.25x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 4
    LOCAL CD
    Pentucket Bank
    3.40%
    -
    $50,000
    12 Month
    Bank
    6.19x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    3.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,700 1,190
    2 51,700 1,758 1,230
    3 53,458 1,818 1,272
    4 55,275 1,879 1,316
    5 57,155 1,943 1,360
    6 59,098 2,009 1,407
    7 61,107 2,078 1,454
    8 63,185 2,148 1,504
    9 65,333 2,221 1,555
    10 67,555 2,297 1,608
    11 69,851 2,375 1,662
    12 72,226 2,456 1,719
    13 74,682 2,539 1,777
    14 77,221 2,626 1,838
    15 79,847 2,715 1,900
    16 82,562 2,807 1,965
    17 85,369 2,903 2,032
    18 88,271 3,001 2,101
    19 91,272 3,103 2,172
    20 94,376 3,209 2,246
    TOTAL $47,584 $33,309
  • 5
    LOCAL CD
    Pentucket Bank
    3.14%
    -
    $50,000
    18 Month
    Bank
    5.42x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    3.14%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,570 1,099
    2 51,570 1,619 1,134
    3 53,189 1,670 1,169
    4 54,859 1,723 1,206
    5 56,582 1,777 1,244
    6 58,359 1,832 1,283
    7 60,191 1,890 1,323
    8 62,081 1,949 1,365
    9 64,031 2,011 1,407
    10 66,041 2,074 1,452
    11 68,115 2,139 1,497
    12 70,254 2,206 1,544
    13 72,460 2,275 1,593
    14 74,735 2,347 1,643
    15 77,081 2,420 1,694
    16 79,502 2,496 1,747
    17 81,998 2,575 1,802
    18 84,573 2,656 1,859
    19 87,228 2,739 1,917
    20 89,967 2,825 1,977
    TOTAL $42,792 $29,955
  • 6
    LOCAL MONEY MARKET
    Pentucket Bank
    1.13%
    -
    $50,000
    N.A.
    Bank
    1.95x (National Avg. - 0.58%)
    $1,000
     
    SCENARIO
    Year Rate
    1.13%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 565 396
    2 50,565 571 400
    3 51,136 578 404
    4 51,714 584 409
    5 52,299 591 414
    6 52,890 598 418
    7 53,487 604 423
    8 54,092 611 428
    9 54,703 618 433
    10 55,321 625 438
    11 55,946 632 443
    12 56,578 639 448
    13 57,218 647 453
    14 57,864 654 458
    15 58,518 661 463
    16 59,179 669 468
    17 59,848 676 473
    18 60,524 684 479
    19 61,208 692 484
    20 61,900 699 490
    TOTAL $12,599 $8,820
  • 7
    N.A.
    Pentucket Bank
    1.21%
    -
    $50,000
    N.A.
    Bank
    2.09x (National Avg. - 0.58%)
    $50,000
     
    SCENARIO
    Year Rate
    1.21%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 605 424
    2 50,605 612 429
    3 51,217 620 434
    4 51,837 627 439
    5 52,464 635 444
    6 53,099 642 450
    7 53,742 650 455
    8 54,392 658 461
    9 55,050 666 466
    10 55,716 674 472
    11 56,390 682 478
    12 57,073 691 483
    13 57,763 699 489
    14 58,462 707 495
    15 59,170 716 501
    16 59,885 725 507
    17 60,610 733 513
    18 61,343 742 520
    19 62,086 751 526
    20 62,837 760 532
    TOTAL $13,597 $9,518

    All calculations are for demonstration purposes only.

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