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Comparison of Deposit Account from Root River State Bank with 0.65% - June 2025

Long-Term Analysis of DIVERSIFIED MEMBERS with 0.80% APY and Root River State Bank with 0.65% APY and Genesee Regional Bank with 2.25% APY and RTN with 1.04% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

DIVERSIFIED MEMBERS

0.80%

$50,000

12 Month

Credit Union

1.45x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

Root River State Bank

0.65%

$50,000

12 Month

Bank

1.18x (National Avg. - 0.55%)

$10,000

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

LOCAL CD

Genesee Regional Bank

2.25%

$50,000

24 Month

Bank

3.40x (National Avg. - 0.66%)

$500

SCENARIO

Year	Rate 2.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,125	788
2	51,125	1,150	805
3	52,275	1,176	823
4	53,452	1,203	842
5	54,654	1,230	861
6	55,884	1,257	880
7	57,141	1,286	900
8	58,427	1,315	920
9	59,742	1,344	941
10	61,086	1,374	962
11	62,460	1,405	984
12	63,866	1,437	1,006
13	65,302	1,469	1,029
14	66,772	1,502	1,052
15	68,274	1,536	1,075
16	69,810	1,571	1,100
17	71,381	1,606	1,124
18	72,987	1,642	1,150
19	74,629	1,679	1,175
20	76,309	1,717	1,202
	TOTAL	$28,025	$19,618

LOCAL CD

RTN

1.04%

$50,000

60 Month

Credit Union

1.13x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.04%	Annual Interest	Annual Interest (After Tax)
1	50,000	520	364
2	50,520	525	368
3	51,045	531	372
4	51,576	536	375
5	52,113	542	379
6	52,655	548	383
7	53,202	553	387
8	53,756	559	391
9	54,315	565	395
10	54,879	571	400
11	55,450	577	404
12	56,027	583	408
13	56,610	589	412
14	57,198	595	416
15	57,793	601	421
16	58,394	607	425
17	59,002	614	430
18	59,615	620	434
19	60,235	626	439
20	60,862	633	443
	TOTAL	$11,495	$8,046

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from Root River State Bank with 0.65% - June 2025

Long-Term Analysis of DIVERSIFIED MEMBERS with 0.80% APY and Root River State Bank with 0.65% APY and Genesee Regional Bank with 2.25% APY and RTN with 1.04% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Root River State Bank with 0.65% - June 2025