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Comparison of Deposit Account from PINNACLE with 0.61% - July 2025

Long-Term Analysis of SAN DIEGO COUNTY with 1.75% APY and Crescent Bank with 3.80% APY and PINNACLE with 0.61% APY and AUBURN COMMUNITY with 0.05% 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

LOCAL CD

SAN DIEGO COUNTY

1.75%

$50,000

24 Month

Credit Union

2.65x (National Avg. - 0.66%)

$90,000

SCENARIO

Year	Rate 1.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	875	613
2	50,875	890	623
3	51,765	906	634
4	52,671	922	645
5	53,593	938	657
6	54,531	954	668
7	55,485	971	680
8	56,456	988	692
9	57,444	1,005	704
10	58,449	1,023	716
11	59,472	1,041	729
12	60,513	1,059	741
13	61,572	1,078	754
14	62,649	1,096	767
15	63,746	1,116	781
16	64,861	1,135	795
17	65,996	1,155	808
18	67,151	1,175	823
19	68,327	1,196	837
20	69,522	1,217	852
	TOTAL	$20,739	$14,517

LOCAL CD

Crescent Bank

3.80%

$50,000

48 Month

Bank

4.65x (National Avg. - 0.82%)

$1,000

SCENARIO

Year	Rate 3.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,900	1,330
2	51,900	1,972	1,381
3	53,872	2,047	1,433
4	55,919	2,125	1,487
5	58,044	2,206	1,544
6	60,250	2,289	1,603
7	62,539	2,376	1,664
8	64,916	2,467	1,727
9	67,383	2,561	1,792
10	69,943	2,658	1,860
11	72,601	2,759	1,931
12	75,360	2,864	2,005
13	78,224	2,972	2,081
14	81,196	3,085	2,160
15	84,282	3,203	2,242
16	87,484	3,324	2,327
17	90,809	3,451	2,416
18	94,259	3,582	2,507
19	97,841	3,718	2,603
20	101,559	3,859	2,701
	TOTAL	$55,419	$38,793

LOCAL CD

PINNACLE

0.61%

$50,000

60 Month

Credit Union

0.66x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.61%	Annual Interest	Annual Interest (After Tax)
1	50,000	305	214
2	50,305	307	215
3	50,612	309	216
4	50,921	311	217
5	51,231	313	219
6	51,544	314	220
7	51,858	316	221
8	52,174	318	223
9	52,493	320	224
10	52,813	322	226
11	53,135	324	227
12	53,459	326	228
13	53,785	328	230
14	54,113	330	231
15	54,444	332	232
16	54,776	334	234
17	55,110	336	235
18	55,446	338	237
19	55,784	340	238
20	56,124	342	240
	TOTAL	$6,467	$4,527

LOCAL CD

AUBURN COMMUNITY

0.05%

$50,000

6 Month

Credit Union

0.12x (National Avg. - 0.41%)

$100,000

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

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 PINNACLE with 0.61% - July 2025

Long-Term Analysis of SAN DIEGO COUNTY with 1.75% APY and Crescent Bank with 3.80% APY and PINNACLE with 0.61% APY and AUBURN COMMUNITY with 0.05% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from PINNACLE with 0.61% - July 2025