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Comparison of Deposit Account from Shinhan Bank America with 0.25% - November 2025


Long-Term Analysis of Shinhan Bank America with 0.25% APY and California International Bank, N.A. with 1.01% APY and United Pacific Bank with 0.78% APY and United Pacific Bank with 0.90% 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
    Shinhan Bank America
    0.25%
    -
    $50,000
    18 Month
    Bank
    0.43x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    LOCAL CD
    California International Bank, N.A.
    1.01%
    -
    $50,000
    18 Month
    Bank
    1.74x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    1.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 505 354
    2 50,505 510 357
    3 51,015 515 361
    4 51,530 520 364
    5 52,051 526 368
    6 52,577 531 372
    7 53,108 536 375
    8 53,644 542 379
    9 54,186 547 383
    10 54,733 553 387
    11 55,286 558 391
    12 55,844 564 395
    13 56,408 570 399
    14 56,978 575 403
    15 57,553 581 407
    16 58,135 587 411
    17 58,722 593 415
    18 59,315 599 419
    19 59,914 605 424
    20 60,519 611 428
    TOTAL $11,130 $7,791
  • 3
    LOCAL CD
    United Pacific Bank
    0.78%
    -
    $50,000
    18 Month
    Bank
    1.35x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.78%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 390 273
    2 50,390 393 275
    3 50,783 396 277
    4 51,179 399 279
    5 51,578 402 282
    6 51,981 405 284
    7 52,386 409 286
    8 52,795 412 288
    9 53,207 415 291
    10 53,622 418 293
    11 54,040 422 295
    12 54,461 425 297
    13 54,886 428 300
    14 55,314 431 302
    15 55,746 435 304
    16 56,180 438 307
    17 56,619 442 309
    18 57,060 445 312
    19 57,505 449 314
    20 57,954 452 316
    TOTAL $8,406 $5,884
  • 4
    LOCAL CD
    United Pacific Bank
    0.90%
    -
    $50,000
    60 Month
    Bank
    0.98x (National Avg. - 0.92%)
    $10,000
     
    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

    All calculations are for demonstration purposes only.

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