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Comparison of Deposit Account from SPIRIT OF ALASKA with 1.32% - June 2025


Long-Term Analysis of SPIRIT OF ALASKA with 1.32% APY and Academy Bank, National Association with 0.65% APY and Bank of New England with 0.10% 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
    SPIRIT OF ALASKA
    1.32%
    -
    $50,000
    48 Month
    Credit Union
    1.62x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.32%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 660 462
    2 50,660 669 468
    3 51,329 678 474
    4 52,006 686 481
    5 52,693 696 487
    6 53,388 705 493
    7 54,093 714 500
    8 54,807 723 506
    9 55,530 733 513
    10 56,263 743 520
    11 57,006 752 527
    12 57,759 762 534
    13 58,521 772 541
    14 59,294 783 548
    15 60,076 793 555
    16 60,869 803 562
    17 61,673 814 570
    18 62,487 825 577
    19 63,312 836 585
    20 64,147 847 593
    TOTAL $14,994 $10,496
  • 2
    LOCAL CD
    Academy Bank, National Association
    0.65%
    -
    $50,000
    18 Month
    Bank
    1.12x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 3
    LOCAL CD
    Bank of New England
    0.10%
    -
    $50,000
    6 Month
    Bank
    0.24x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

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    Warning: Early Withdrawal Penalty is 180 days interest.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

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