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Comparison of Deposit Account from Security Federal Bank with 0.60% - July 2025


Long-Term Analysis of HOLYOKE COMMUNITY with 0.50% APY and Security Federal Bank with 0.60% APY and Umbrella Bank, a division of Beal Bank with 4.85% APY and Monesty, a division of American Commerce Bank of Georgia with 5.22% 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 MONEY MARKET
    HOLYOKE COMMUNITY
    0.50%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 2
    LOCAL CD
    Security Federal Bank
    0.60%
    -
    $50,000
    60 Month
    Bank
    0.65x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 3
    ONLINE CD
    Umbrella Bank, a division of Beal Bank
    4.85%
    -
    $50,000
    12 Month
    Online Bank
    8.79x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    4.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,425 1,698
    2 52,425 2,543 1,780
    3 54,968 2,666 1,866
    4 57,634 2,795 1,957
    5 60,429 2,931 2,052
    6 63,360 3,073 2,151
    7 66,433 3,222 2,255
    8 69,654 3,378 2,365
    9 73,033 3,542 2,479
    10 76,575 3,714 2,600
    11 80,289 3,894 2,726
    12 84,183 4,083 2,858
    13 88,266 4,281 2,997
    14 92,546 4,489 3,142
    15 97,035 4,706 3,294
    16 101,741 4,934 3,454
    17 106,676 5,174 3,622
    18 111,849 5,425 3,797
    19 117,274 5,688 3,981
    20 122,962 5,964 4,175
    TOTAL $78,925 $55,248
  • 4
    ONLINE CD
    Monesty, a division of American Commerce Bank of Georgia
    5.22%
    -
    $50,000
    12 Month
    Online Bank
    9.46x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    5.22%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,610 1,827
    2 52,610 2,746 1,922
    3 55,356 2,890 2,023
    4 58,246 3,040 2,128
    5 61,286 3,199 2,239
    6 64,485 3,366 2,356
    7 67,852 3,542 2,479
    8 71,393 3,727 2,609
    9 75,120 3,921 2,745
    10 79,041 4,126 2,888
    11 83,167 4,341 3,039
    12 87,509 4,568 3,198
    13 92,077 4,806 3,364
    14 96,883 5,057 3,540
    15 101,940 5,321 3,725
    16 107,262 5,599 3,919
    17 112,861 5,891 4,124
    18 118,752 6,199 4,339
    19 124,951 6,522 4,566
    20 131,473 6,863 4,804
    TOTAL $88,336 $61,835

    All calculations are for demonstration purposes only.

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