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Comparison of Deposit Account from SCHOOLSFIRST with 4.30% - August 2025

Long-Term Analysis of SCHOOLSFIRST with 4.30% APY and The First, A National Banking Association with 0.02% APY and SCHOOLSFIRST with 4.25% APY and SCHOOLSFIRST with 4.35% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

SCHOOLSFIRST

4.30%

$50,000

18 Month

Credit Union

7.40x (National Avg. - 0.58%)

$100,000

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

LOCAL SAVINGS

The First, A National Banking Association

0.02%

$50,000

N.A.

Bank

0.07x (National Avg. - 0.23%)

$2,500

SCENARIO

Year	Rate 0.02%	Annual Interest	Annual Interest (After Tax)
1	50,000	8	5
2	50,008	8	5
3	50,015	8	5
4	50,023	8	5
5	50,030	8	5
6	50,038	8	5
7	50,045	8	5
8	50,053	8	5
9	50,060	8	5
10	50,068	8	5
11	50,075	8	5
12	50,083	8	5
13	50,090	8	5
14	50,098	8	5
15	50,105	8	5
16	50,113	8	5
17	50,120	8	5
18	50,128	8	5
19	50,135	8	5
20	50,143	8	5
	TOTAL	$150	$105

LOCAL CD

SCHOOLSFIRST

4.25%

$50,000

12 Month

Credit Union

7.70x (National Avg. - 0.55%)

$50,000

SCENARIO

Year	Rate 4.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,125	1,488
2	52,125	2,215	1,551
3	54,340	2,309	1,617
4	56,650	2,408	1,685
5	59,057	2,510	1,757
6	61,567	2,617	1,832
7	64,184	2,728	1,909
8	66,912	2,844	1,991
9	69,756	2,965	2,075
10	72,720	3,091	2,163
11	75,811	3,222	2,255
12	79,033	3,359	2,351
13	82,392	3,502	2,451
14	85,893	3,650	2,555
15	89,544	3,806	2,664
16	93,349	3,967	2,777
17	97,317	4,136	2,895
18	101,453	4,312	3,018
19	105,764	4,495	3,146
20	110,259	4,686	3,280
	TOTAL	$64,945	$45,462

LOCAL CD

SCHOOLSFIRST

4.35%

$50,000

60 Month

Credit Union

4.73x (National Avg. - 0.92%)

$50,000

SCENARIO

Year	Rate 4.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,175	1,523
2	52,175	2,270	1,589
3	54,445	2,368	1,658
4	56,813	2,471	1,730
5	59,284	2,579	1,805
6	61,863	2,691	1,884
7	64,554	2,808	1,966
8	67,362	2,930	2,051
9	70,293	3,058	2,140
10	73,350	3,191	2,234
11	76,541	3,330	2,331
12	79,871	3,474	2,432
13	83,345	3,626	2,538
14	86,970	3,783	2,648
15	90,754	3,948	2,763
16	94,701	4,120	2,884
17	98,821	4,299	3,009
18	103,120	4,486	3,140
19	107,605	4,681	3,277
20	112,286	4,884	3,419
	TOTAL	$67,171	$47,019

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.
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.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.

Compare Savings vs. CDs Comparison of Deposit Account from SCHOOLSFIRST with 4.30% - August 2025

Long-Term Analysis of SCHOOLSFIRST with 4.30% APY and The First, A National Banking Association with 0.02% APY and SCHOOLSFIRST with 4.25% APY and SCHOOLSFIRST with 4.35% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from SCHOOLSFIRST with 4.30% - August 2025