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Comparison of Deposit Account from Pineland Bank with 0.95% - August 2025


Long-Term Analysis of Pineland Bank with 0.95% APY and Pineland Bank with 1.04% APY and MEMBERS CHOICE FINANCIAL with 0.25% 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
    Pineland Bank
    0.95%
    -
    $50,000
    24 Month
    Bank
    1.44x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 2
    LOCAL CD
    Pineland Bank
    1.04%
    -
    $50,000
    36 Month
    Bank
    1.38x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.04%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 520 364
    2 50,520 525 368
    3 51,045 531 372
    4 51,576 536 375
    5 52,113 542 379
    6 52,655 548 383
    7 53,202 553 387
    8 53,756 559 391
    9 54,315 565 395
    10 54,879 571 400
    11 55,450 577 404
    12 56,027 583 408
    13 56,610 589 412
    14 57,198 595 416
    15 57,793 601 421
    16 58,394 607 425
    17 59,002 614 430
    18 59,615 620 434
    19 60,235 626 439
    20 60,862 633 443
    TOTAL $11,495 $8,046
  • 3
    LOCAL MONEY MARKET
    MEMBERS CHOICE FINANCIAL
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    0.33x (National Avg. - 0.75%)
    $25,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.10% on July 13.

    Last change: ↑0.40% on June 24.
    Early withdrawal penalty is 3 Months' Interest.

    Last change: ↓0.05% on August 2.
    7-Month CD.

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