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Comparison of Deposit Account from SAFE with 3.40% - December 2025


Long-Term Analysis of SAFE with 3.04% APY and SAFE with 3.40% 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
    SAFE
    3.04%
    -
    $50,000
    36 Month
    Credit Union
    4.04x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    3.04%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,520 1,064
    2 51,520 1,566 1,096
    3 53,086 1,614 1,130
    4 54,700 1,663 1,164
    5 56,363 1,713 1,199
    6 58,076 1,766 1,236
    7 59,842 1,819 1,273
    8 61,661 1,874 1,312
    9 63,536 1,931 1,352
    10 65,467 1,990 1,393
    11 67,457 2,051 1,435
    12 69,508 2,113 1,479
    13 71,621 2,177 1,524
    14 73,798 2,243 1,570
    15 76,042 2,312 1,618
    16 78,353 2,382 1,667
    17 80,735 2,454 1,718
    18 83,190 2,529 1,770
    19 85,719 2,606 1,824
    20 88,324 2,685 1,880
    TOTAL $41,010 $28,707
  • 2
    LOCAL CD
    SAFE
    3.40%
    -
    $50,000
    60 Month
    Credit Union
    3.69x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    3.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,700 1,190
    2 51,700 1,758 1,230
    3 53,458 1,818 1,272
    4 55,275 1,879 1,316
    5 57,155 1,943 1,360
    6 59,098 2,009 1,407
    7 61,107 2,078 1,454
    8 63,185 2,148 1,504
    9 65,333 2,221 1,555
    10 67,555 2,297 1,608
    11 69,851 2,375 1,662
    12 72,226 2,456 1,719
    13 74,682 2,539 1,777
    14 77,221 2,626 1,838
    15 79,847 2,715 1,900
    16 82,562 2,807 1,965
    17 85,369 2,903 2,032
    18 88,271 3,001 2,101
    19 91,272 3,103 2,172
    20 94,376 3,209 2,246
    TOTAL $47,584 $33,309

    All calculations are for demonstration purposes only.

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