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Comparison of Deposit Account from RADIANT with 0.08% - June 2025


Long-Term Analysis of Union Savings Bank with 0.85% APY and FULDA AREA with 0.62% APY and RADIANT with 0.08% 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
    Union Savings Bank
    0.85%
    -
    $50,000
    24 Month
    Bank
    1.29x (National Avg. - 0.66%)
    $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
    FULDA AREA
    0.62%
    -
    $50,000
    12 Month
    Credit Union
    1.12x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.62%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 310 217
    2 50,310 312 218
    3 50,622 314 220
    4 50,936 316 221
    5 51,252 318 222
    6 51,569 320 224
    7 51,889 322 225
    8 52,211 324 227
    9 52,534 326 228
    10 52,860 328 229
    11 53,188 330 231
    12 53,518 332 232
    13 53,850 334 234
    14 54,183 336 235
    15 54,519 338 237
    16 54,857 340 238
    17 55,197 342 240
    18 55,540 344 241
    19 55,884 346 243
    20 56,231 349 244
    TOTAL $6,579 $4,605
  • 3
    LOCAL SAVINGS
    RADIANT
    0.08%
    -
    $50,000
    N.A.
    Credit Union
    0.36x (National Avg. - 0.23%)
    $10,000
     
    SCENARIO
    Year Rate
    0.08%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 40 28
    2 50,040 40 28
    3 50,080 40 28
    4 50,120 40 28
    5 50,160 40 28
    6 50,200 40 28
    7 50,240 40 28
    8 50,281 40 28
    9 50,321 40 28
    10 50,361 40 28
    11 50,401 40 28
    12 50,442 40 28
    13 50,482 40 28
    14 50,523 40 28
    15 50,563 40 28
    16 50,603 40 28
    17 50,644 41 28
    18 50,684 41 28
    19 50,725 41 28
    20 50,765 41 28
    TOTAL $806 $564

    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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