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Comparison of Deposit Account from Regions Bank with 1.50% - June 2025


Long-Term Analysis of VANTAGE WEST with 0.30% APY and Regions Bank with 1.50% APY and PEOPLESCHOICE with 1.16% APY and Profinium, Inc. with 4.17% APY and PARK SIDE FINANCIAL with 0.90% APY and ALTANA with 0.05% APY and Chemung Canal Trust Company with 0.20% APY and CHEROKEE STRIP with 0.86% APY and Bank 7 with 1.11% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL MONEY MARKET
    VANTAGE WEST
    0.30%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 2
    N.A.
    Regions Bank
    1.50%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $0
     
    SCENARIO
    Year Rate
    1.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 750 525
    2 50,750 761 533
    3 51,511 773 541
    4 52,284 784 549
    5 53,068 796 557
    6 53,864 808 566
    7 54,672 820 574
    8 55,492 832 583
    9 56,325 845 591
    10 57,169 858 600
    11 58,027 870 609
    12 58,897 883 618
    13 59,781 897 628
    14 60,678 910 637
    15 61,588 924 647
    16 62,512 938 656
    17 63,449 952 666
    18 64,401 966 676
    19 65,367 981 686
    20 66,348 995 697
    TOTAL $17,343 $12,140
  • 3
    LOCAL CD
    PEOPLESCHOICE
    1.16%
    -
    $50,000
    48 Month
    Credit Union
    1.42x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.16%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 580 406
    2 50,580 587 411
    3 51,167 594 415
    4 51,760 600 420
    5 52,361 607 425
    6 52,968 614 430
    7 53,582 622 435
    8 54,204 629 440
    9 54,833 636 445
    10 55,469 643 450
    11 56,112 651 456
    12 56,763 658 461
    13 57,422 666 466
    14 58,088 674 472
    15 58,762 682 477
    16 59,443 690 483
    17 60,133 698 488
    18 60,830 706 494
    19 61,536 714 500
    20 62,250 722 505
    TOTAL $12,972 $9,080
  • 4
    LOCAL CD
    Profinium, Inc.
    4.17%
    -
    $50,000
    24 Month
    Bank
    6.31x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    4.17%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,085 1,460
    2 52,085 2,172 1,520
    3 54,257 2,263 1,584
    4 56,519 2,357 1,650
    5 58,876 2,455 1,719
    6 61,331 2,558 1,790
    7 63,889 2,664 1,865
    8 66,553 2,775 1,943
    9 69,328 2,891 2,024
    10 72,219 3,012 2,108
    11 75,231 3,137 2,196
    12 78,368 3,268 2,288
    13 81,636 3,404 2,383
    14 85,040 3,546 2,482
    15 88,586 3,694 2,586
    16 92,281 3,848 2,694
    17 96,129 4,009 2,806
    18 100,137 4,176 2,923
    19 104,313 4,350 3,045
    20 108,663 4,531 3,172
    TOTAL $63,194 $44,236
  • 5
    LOCAL CD
    PARK SIDE FINANCIAL
    0.90%
    -
    $50,000
    36 Month
    Credit Union
    1.19x (National Avg. - 0.75%)
    $100,000
     
    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
  • 6
    LOCAL MONEY MARKET
    ALTANA
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.07x (National Avg. - 0.75%)
    $2,500
     
    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
  • 7
    LOCAL CD
    Chemung Canal Trust Company
    0.20%
    -
    $50,000
    18 Month
    Bank
    0.34x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 8
    LOCAL CD
    CHEROKEE STRIP
    0.86%
    -
    $50,000
    24 Month
    Credit Union
    1.30x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.86%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 430 301
    2 50,430 434 304
    3 50,864 437 306
    4 51,301 441 309
    5 51,742 445 311
    6 52,187 449 314
    7 52,636 453 317
    8 53,089 457 320
    9 53,545 460 322
    10 54,006 464 325
    11 54,470 468 328
    12 54,939 472 331
    13 55,411 477 334
    14 55,888 481 336
    15 56,368 485 339
    16 56,853 489 342
    17 57,342 493 345
    18 57,835 497 348
    19 58,333 502 351
    20 58,834 506 354
    TOTAL $9,340 $6,538
  • 9
    LOCAL CD
    Bank 7
    1.11%
    -
    $50,000
    36 Month
    Bank
    1.47x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.11%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 553 387
    2 50,553 559 391
    3 51,112 565 396
    4 51,677 572 400
    5 52,249 578 405
    6 52,827 584 409
    7 53,411 591 414
    8 54,002 597 418
    9 54,599 604 423
    10 55,203 611 427
    11 55,814 617 432
    12 56,431 624 437
    13 57,055 631 442
    14 57,686 638 447
    15 58,324 645 452
    16 58,969 652 457
    17 59,621 659 462
    18 60,281 667 467
    19 60,947 674 472
    20 61,621 682 477
    TOTAL $12,303 $8,612

    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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