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Comparison of Deposit Account from Prospect Bank with 0.65% - June 2025


Long-Term Analysis of Prospect Bank with 0.65% APY and AMERICU with 2.69% 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
    Prospect Bank
    0.65%
    -
    $50,000
    36 Month
    Bank
    0.86x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 2
    LOCAL CD
    AMERICU
    2.69%
    -
    $50,000
    48 Month
    Credit Union
    3.29x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    2.69%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,345 942
    2 51,345 1,381 967
    3 52,726 1,418 993
    4 54,145 1,456 1,020
    5 55,601 1,496 1,047
    6 57,097 1,536 1,075
    7 58,633 1,577 1,104
    8 60,210 1,620 1,134
    9 61,829 1,663 1,164
    10 63,493 1,708 1,196
    11 65,201 1,754 1,228
    12 66,954 1,801 1,261
    13 68,756 1,850 1,295
    14 70,605 1,899 1,329
    15 72,504 1,950 1,365
    16 74,455 2,003 1,402
    17 76,458 2,057 1,440
    18 78,514 2,112 1,478
    19 80,626 2,169 1,518
    20 82,795 2,227 1,559
    TOTAL $35,022 $24,516

    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: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

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