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Comparison of Deposit Account from SOUTHWEST 66 with 1.25% - August 2025


Long-Term Analysis of CENTRAL VIRGINIA with 0.35% APY and SOUTHWEST 66 with 1.25% APY and PENNSYLVANIA STATE EMPLOYEES with 3.55% APY and UNITED with 5.25% APY and LAKE MICHIGAN 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
    CENTRAL VIRGINIA
    0.35%
    -
    $50,000
    12 Month
    Credit Union
    0.63x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 2
    LOCAL CD
    SOUTHWEST 66
    1.25%
    -
    $50,000
    6 Month
    Credit Union
    3.06x (National Avg. - 0.41%)
    $1,500
     
    SCENARIO
    Year Rate
    1.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 625 438
    2 50,625 633 443
    3 51,258 641 449
    4 51,899 649 454
    5 52,547 657 460
    6 53,204 665 466
    7 53,869 673 471
    8 54,543 682 477
    9 55,224 690 483
    10 55,915 699 489
    11 56,614 708 495
    12 57,321 717 502
    13 58,038 725 508
    14 58,763 735 514
    15 59,498 744 521
    16 60,241 753 527
    17 60,994 762 534
    18 61,757 772 540
    19 62,529 782 547
    20 63,310 791 554
    TOTAL $14,102 $9,871
  • 3
    LOCAL CD
    PENNSYLVANIA STATE EMPLOYEES
    3.55%
    -
    $50,000
    12 Month
    Credit Union
    6.43x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    3.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,775 1,243
    2 51,775 1,838 1,287
    3 53,613 1,903 1,332
    4 55,516 1,971 1,380
    5 57,487 2,041 1,429
    6 59,528 2,113 1,479
    7 61,641 2,188 1,532
    8 63,829 2,266 1,586
    9 66,095 2,346 1,642
    10 68,442 2,430 1,701
    11 70,871 2,516 1,761
    12 73,387 2,605 1,824
    13 75,993 2,698 1,888
    14 78,690 2,794 1,955
    15 81,484 2,893 2,025
    16 84,377 2,995 2,097
    17 87,372 3,102 2,171
    18 90,474 3,212 2,248
    19 93,685 3,326 2,328
    20 97,011 3,444 2,411
    TOTAL $50,455 $35,319
  • 4
    LOCAL CD
    UNITED
    5.25%
    -
    $50,000
    9 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    5.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,625 1,838
    2 52,625 2,763 1,934
    3 55,388 2,908 2,036
    4 58,296 3,061 2,142
    5 61,356 3,221 2,255
    6 64,577 3,390 2,373
    7 67,968 3,568 2,498
    8 71,536 3,756 2,629
    9 75,292 3,953 2,767
    10 79,244 4,160 2,912
    11 83,405 4,379 3,065
    12 87,784 4,609 3,226
    13 92,392 4,851 3,395
    14 97,243 5,105 3,574
    15 102,348 5,373 3,761
    16 107,721 5,655 3,959
    17 113,377 5,952 4,167
    18 119,329 6,265 4,385
    19 125,594 6,594 4,616
    20 132,187 6,940 4,858
    TOTAL $89,127 $62,389
  • 5
    LOCAL CD
    LAKE MICHIGAN
    3.40%
    -
    $50,000
    9 Month
    Credit Union
    N.A.
    $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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