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Comparison of Deposit Account from SRU with 0.65% - May 2025


Long-Term Analysis of MAROON FINANCIAL with 0.15% APY and LAKE TRUST with 0.65% APY and F&M Bank with 0.60% APY and CNB Bank with 0.43% APY and Wayne Savings Community Bank with 0.50% APY and SRU with 0.65% APY and Reliance Savings Bank with 0.05% APY and Ipswich State Bank with 1.30% APY and First National Bank of Bosque County with 1.53% APY and AMERICA'S CREDIT UNION, A with 0.45% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL MONEY MARKET
    MAROON FINANCIAL
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 2
    LOCAL CD
    LAKE TRUST
    0.65%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $10,000
     
    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
    F&M Bank
    0.60%
    -
    $50,000
    36 Month
    Bank
    0.80x (National Avg. - 0.75%)
    $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
  • 4
    LOCAL CD
    CNB Bank
    0.43%
    -
    $50,000
    18 Month
    Bank
    0.74x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.43%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 215 151
    2 50,215 216 151
    3 50,431 217 152
    4 50,648 218 152
    5 50,866 219 153
    6 51,084 220 154
    7 51,304 221 154
    8 51,525 222 155
    9 51,746 223 156
    10 51,969 223 156
    11 52,192 224 157
    12 52,417 225 158
    13 52,642 226 158
    14 52,868 227 159
    15 53,096 228 160
    16 53,324 229 161
    17 53,553 230 161
    18 53,783 231 162
    19 54,015 232 163
    20 54,247 233 163
    TOTAL $4,480 $3,136
  • 5
    LOCAL CD
    Wayne Savings Community Bank
    0.50%
    -
    $50,000
    18 Month
    Bank
    0.86x (National Avg. - 0.58%)
    $100,000
     
    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
  • 6
    LOCAL CD
    SRU
    0.65%
    -
    $50,000
    12 Month
    Credit Union
    1.18x (National Avg. - 0.55%)
    $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
  • 7
    LOCAL MONEY MARKET
    Reliance Savings Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.09x (National Avg. - 0.55%)
    $2,500
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 8
    LOCAL CD
    Ipswich State Bank
    1.30%
    -
    $50,000
    24 Month
    Bank
    1.97x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    1.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 650 455
    2 50,650 658 461
    3 51,308 667 467
    4 51,975 676 473
    5 52,651 684 479
    6 53,336 693 485
    7 54,029 702 492
    8 54,731 712 498
    9 55,443 721 505
    10 56,164 730 511
    11 56,894 740 518
    12 57,633 749 524
    13 58,383 759 531
    14 59,142 769 538
    15 59,910 779 545
    16 60,689 789 552
    17 61,478 799 559
    18 62,277 810 567
    19 63,087 820 574
    20 63,907 831 582
    TOTAL $14,738 $10,317
  • 9
    LOCAL CD
    First National Bank of Bosque County
    1.53%
    -
    $50,000
    60 Month
    Bank
    1.66x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.53%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 765 536
    2 50,765 777 544
    3 51,542 789 552
    4 52,330 801 560
    5 53,131 813 569
    6 53,944 825 578
    7 54,769 838 587
    8 55,607 851 596
    9 56,458 864 605
    10 57,322 877 614
    11 58,199 890 623
    12 59,089 904 633
    13 59,993 918 643
    14 60,911 932 652
    15 61,843 946 662
    16 62,789 961 672
    17 63,750 975 683
    18 64,725 990 693
    19 65,716 1,005 704
    20 66,721 1,021 715
    TOTAL $17,742 $12,419
  • 10
    LOCAL CD
    AMERICA'S CREDIT UNION, A
    0.45%
    -
    $50,000
    18 Month
    Credit Union
    0.78x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288

    All calculations are for demonstration purposes only.

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