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Comparison of Deposit Account from STAR OF TEXAS with 0.90% - November 2025


Long-Term Analysis of STAR OF TEXAS with 0.90% APY and STAR OF TEXAS with 1.60% APY and STAR OF TEXAS with 4.00% APY and STAR OF TEXAS with 4.00% 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
    STAR OF TEXAS
    0.90%
    -
    $50,000
    3 Month
    Credit Union
    0.40x (National Avg. - 2.27%)
    $50,000
     
    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
  • 2
    LOCAL CD
    STAR OF TEXAS
    1.60%
    -
    $50,000
    6 Month
    Credit Union
    3.94x (National Avg. - 0.41%)
    $50,000
     
    SCENARIO
    Year Rate
    1.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 800 560
    2 50,800 813 569
    3 51,613 826 578
    4 52,439 839 587
    5 53,278 852 597
    6 54,130 866 606
    7 54,996 880 616
    8 55,876 894 626
    9 56,770 908 636
    10 57,678 923 646
    11 58,601 938 656
    12 59,539 953 667
    13 60,492 968 678
    14 61,459 983 688
    15 62,443 999 699
    16 63,442 1,015 711
    17 64,457 1,031 722
    18 65,488 1,048 733
    19 66,536 1,065 745
    20 67,601 1,082 757
    TOTAL $18,682 $13,078
  • 3
    LOCAL CD
    STAR OF TEXAS
    4.00%
    -
    $50,000
    36 Month
    Credit Union
    5.31x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 4
    LOCAL CD
    STAR OF TEXAS
    4.00%
    -
    $50,000
    48 Month
    Credit Union
    4.88x (National Avg. - 0.82%)
    $50,000
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689

    All calculations are for demonstration purposes only.

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