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Comparison of Deposit Account from QUORUM with 2.45% - August 2025


Long-Term Analysis of DCH with 0.85% APY and ALLUS with 0.10% APY and COMMONWEALTH ONE with 3.82% APY and QUORUM with 2.45% APY and BRAGG MUTUAL with 0.75% APY and NUSENDA with 3.90% APY and MOHAWK VALLEY with 4.30% APY and MOHAWK VALLEY with 3.56% APY and CUTTING EDGE with 4.07% APY and CAL-COM with 0.75% APY and COMMONWEALTH ONE with 3.10% APY and COMMONWEALTH ONE with 0.75% 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
    DCH
    0.85%
    -
    $50,000
    6 Month
    Credit Union
    2.08x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 2
    LOCAL CD
    ALLUS
    0.10%
    -
    $50,000
    6 Month
    Credit Union
    0.24x (National Avg. - 0.41%)
    $100,000
     
    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
  • 3
    LOCAL CD
    COMMONWEALTH ONE
    3.82%
    -
    $50,000
    12 Month
    Credit Union
    6.92x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    3.82%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,910 1,337
    2 51,910 1,983 1,388
    3 53,893 2,059 1,441
    4 55,952 2,137 1,496
    5 58,089 2,219 1,553
    6 60,308 2,304 1,613
    7 62,612 2,392 1,674
    8 65,004 2,483 1,738
    9 67,487 2,578 1,805
    10 70,065 2,676 1,874
    11 72,741 2,779 1,945
    12 75,520 2,885 2,019
    13 78,405 2,995 2,097
    14 81,400 3,109 2,177
    15 84,509 3,228 2,260
    16 87,738 3,352 2,346
    17 91,089 3,480 2,436
    18 94,569 3,613 2,529
    19 98,181 3,751 2,625
    20 101,932 3,894 2,726
    TOTAL $55,826 $39,078
  • 4
    LOCAL CD
    QUORUM
    2.45%
    -
    $50,000
    6 Month
    Credit Union
    5.99x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    2.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,225 858
    2 51,225 1,255 879
    3 52,480 1,286 900
    4 53,766 1,317 922
    5 55,083 1,350 945
    6 56,433 1,383 968
    7 57,815 1,416 992
    8 59,232 1,451 1,016
    9 60,683 1,487 1,041
    10 62,170 1,523 1,066
    11 63,693 1,560 1,092
    12 65,253 1,599 1,119
    13 66,852 1,638 1,147
    14 68,490 1,678 1,175
    15 70,168 1,719 1,203
    16 71,887 1,761 1,233
    17 73,648 1,804 1,263
    18 75,452 1,849 1,294
    19 77,301 1,894 1,326
    20 79,195 1,940 1,358
    TOTAL $31,135 $21,795
  • 5
    LOCAL CD
    BRAGG MUTUAL
    0.75%
    -
    $50,000
    6 Month
    Credit Union
    1.83x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 6
    LOCAL CD
    NUSENDA
    3.90%
    -
    $50,000
    6 Month
    Credit Union
    9.54x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    3.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,950 1,365
    2 51,950 2,026 1,418
    3 53,976 2,105 1,474
    4 56,081 2,187 1,531
    5 58,268 2,272 1,591
    6 60,541 2,361 1,653
    7 62,902 2,453 1,717
    8 65,355 2,549 1,784
    9 67,904 2,648 1,854
    10 70,552 2,752 1,926
    11 73,304 2,859 2,001
    12 76,162 2,970 2,079
    13 79,133 3,086 2,160
    14 82,219 3,207 2,245
    15 85,426 3,332 2,332
    16 88,757 3,462 2,423
    17 92,219 3,597 2,518
    18 95,815 3,737 2,616
    19 99,552 3,883 2,718
    20 103,434 4,034 2,824
    TOTAL $57,468 $40,228
  • 7
    LOCAL CD
    MOHAWK VALLEY
    4.30%
    -
    $50,000
    12 Month
    Credit Union
    7.79x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    4.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,150 1,505
    2 52,150 2,242 1,570
    3 54,392 2,339 1,637
    4 56,731 2,439 1,708
    5 59,171 2,544 1,781
    6 61,715 2,654 1,858
    7 64,369 2,768 1,938
    8 67,137 2,887 2,021
    9 70,024 3,011 2,108
    10 73,035 3,140 2,198
    11 76,175 3,276 2,293
    12 79,451 3,416 2,391
    13 82,867 3,563 2,494
    14 86,430 3,717 2,602
    15 90,147 3,876 2,713
    16 94,023 4,043 2,830
    17 98,066 4,217 2,952
    18 102,283 4,398 3,079
    19 106,681 4,587 3,211
    20 111,268 4,785 3,349
    TOTAL $66,053 $46,237
  • 8
    LOCAL CD
    MOHAWK VALLEY
    3.56%
    -
    $50,000
    6 Month
    Credit Union
    8.70x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    3.56%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,779 1,245
    2 51,779 1,842 1,289
    3 53,620 1,907 1,335
    4 55,528 1,975 1,383
    5 57,503 2,045 1,432
    6 59,548 2,118 1,483
    7 61,666 2,193 1,535
    8 63,860 2,271 1,590
    9 66,131 2,352 1,647
    10 68,483 2,436 1,705
    11 70,919 2,523 1,766
    12 73,442 2,612 1,829
    13 76,054 2,705 1,894
    14 78,760 2,801 1,961
    15 81,561 2,901 2,031
    16 84,462 3,004 2,103
    17 87,466 3,111 2,178
    18 90,578 3,222 2,255
    19 93,799 3,336 2,336
    20 97,136 3,455 2,419
    TOTAL $50,591 $35,414
  • 9
    LOCAL CD
    CUTTING EDGE
    4.07%
    -
    $50,000
    6 Month
    Credit Union
    9.95x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    4.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,035 1,425
    2 52,035 2,118 1,482
    3 54,153 2,204 1,543
    4 56,357 2,294 1,606
    5 58,651 2,387 1,671
    6 61,038 2,484 1,739
    7 63,522 2,585 1,810
    8 66,107 2,691 1,883
    9 68,798 2,800 1,960
    10 71,598 2,914 2,040
    11 74,512 3,033 2,123
    12 77,545 3,156 2,209
    13 80,701 3,285 2,299
    14 83,985 3,418 2,393
    15 87,403 3,557 2,490
    16 90,961 3,702 2,591
    17 94,663 3,853 2,697
    18 98,515 4,010 2,807
    19 102,525 4,173 2,921
    20 106,698 4,343 3,040
    TOTAL $61,040 $42,728
  • 10
    LOCAL CD
    CAL-COM
    0.75%
    -
    $50,000
    6 Month
    Credit Union
    1.83x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 11
    LOCAL CD
    COMMONWEALTH ONE
    3.10%
    -
    $50,000
    24 Month
    Credit Union
    4.70x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    3.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,550 1,085
    2 51,550 1,598 1,119
    3 53,148 1,648 1,153
    4 54,796 1,699 1,189
    5 56,494 1,751 1,226
    6 58,246 1,806 1,264
    7 60,051 1,862 1,303
    8 61,913 1,919 1,344
    9 63,832 1,979 1,385
    10 65,811 2,040 1,428
    11 67,851 2,103 1,472
    12 69,954 2,169 1,518
    13 72,123 2,236 1,565
    14 74,359 2,305 1,614
    15 76,664 2,377 1,664
    16 79,041 2,450 1,715
    17 81,491 2,526 1,768
    18 84,017 2,605 1,823
    19 86,622 2,685 1,880
    20 89,307 2,769 1,938
    TOTAL $42,075 $29,453
  • 12
    LOCAL MONEY MARKET
    COMMONWEALTH ONE
    0.75%
    -
    $50,000
    N.A.
    Credit Union
    1.14x (National Avg. - 0.66%)
    $25,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641

    All calculations are for demonstration purposes only.

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