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Comparison of Deposit Account from PLUS with 1.50% - October 2025


Long-Term Analysis of The Farmers State Bank of Westmoreland with 0.90% APY and PLUS with 1.50% 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
    The Farmers State Bank of Westmoreland
    0.90%
    -
    $50,000
    18 Month
    Bank
    1.56x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 2
    LOCAL CD
    PLUS
    1.50%
    -
    $50,000
    36 Month
    Credit Union
    1.99x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 748 523
    2 50,748 759 531
    3 51,506 770 539
    4 52,276 782 547
    5 53,058 793 555
    6 53,851 805 564
    7 54,656 817 572
    8 55,473 829 581
    9 56,302 842 589
    10 57,144 854 598
    11 57,998 867 607
    12 58,866 880 616
    13 59,746 893 625
    14 60,639 907 635
    15 61,545 920 644
    16 62,465 934 654
    17 63,399 948 663
    18 64,347 962 673
    19 65,309 976 683
    20 66,285 991 694
    TOTAL $17,276 $12,094

    All calculations are for demonstration purposes only.

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