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Comparison of Deposit Account from STATE DEPARTMENT with 3.65% - November 2025

Long-Term Analysis of STATE DEPARTMENT with 3.75% APY and STATE DEPARTMENT with 3.49% APY and STATE DEPARTMENT with 3.65% APY and STATE DEPARTMENT with 1.21% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

STATE DEPARTMENT

3.75%

$50,000

24 Month

Credit Union

5.68x (National Avg. - 0.66%)

$500

SCENARIO

Year	Rate 3.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,875	1,313
2	51,875	1,945	1,362
3	53,820	2,018	1,413
4	55,839	2,094	1,466
5	57,933	2,172	1,521
6	60,105	2,254	1,578
7	62,359	2,338	1,637
8	64,697	2,426	1,698
9	67,124	2,517	1,762
10	69,641	2,612	1,828
11	72,252	2,709	1,897
12	74,962	2,811	1,968
13	77,773	2,916	2,042
14	80,689	3,026	2,118
15	83,715	3,139	2,198
16	86,854	3,257	2,280
17	90,111	3,379	2,365
18	93,491	3,506	2,454
19	96,996	3,637	2,546
20	100,634	3,774	2,642
	TOTAL	$54,408	$38,085

LOCAL CD

STATE DEPARTMENT

3.49%

$50,000

30 Month

Credit Union

N.A.

$100,000

SCENARIO

Year	Rate 3.49%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,745	1,222
2	51,745	1,806	1,264
3	53,551	1,869	1,308
4	55,420	1,934	1,354
5	57,354	2,002	1,401
6	59,356	2,072	1,450
7	61,427	2,144	1,501
8	63,571	2,219	1,553
9	65,790	2,296	1,607
10	68,086	2,376	1,663
11	70,462	2,459	1,721
12	72,921	2,545	1,781
13	75,466	2,634	1,844
14	78,100	2,726	1,908
15	80,825	2,821	1,975
16	83,646	2,919	2,043
17	86,565	3,021	2,115
18	89,587	3,127	2,189
19	92,713	3,236	2,265
20	95,949	3,349	2,344
	TOTAL	$49,297	$34,508

LOCAL CD

STATE DEPARTMENT

3.65%

$50,000

48 Month

Credit Union

4.46x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 3.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,825	1,278
2	51,825	1,892	1,324
3	53,717	1,961	1,372
4	55,677	2,032	1,423
5	57,709	2,106	1,474
6	59,816	2,183	1,528
7	61,999	2,263	1,584
8	64,262	2,346	1,642
9	66,608	2,431	1,702
10	69,039	2,520	1,764
11	71,559	2,612	1,828
12	74,171	2,707	1,895
13	76,878	2,806	1,964
14	79,684	2,908	2,036
15	82,592	3,015	2,110
16	85,607	3,125	2,187
17	88,732	3,239	2,267
18	91,970	3,357	2,350
19	95,327	3,479	2,436
20	98,807	3,606	2,525
	TOTAL	$52,413	$36,689

LOCAL MONEY MARKET

STATE DEPARTMENT

1.21%

$50,000

N.A.

Credit Union

1.48x (National Avg. - 0.82%)

$25,000

SCENARIO

Year	Rate 1.21%	Annual Interest	Annual Interest (After Tax)
1	50,000	605	424
2	50,605	612	429
3	51,217	620	434
4	51,837	627	439
5	52,464	635	444
6	53,099	642	450
7	53,742	650	455
8	54,392	658	461
9	55,050	666	466
10	55,716	674	472
11	56,390	682	478
12	57,073	691	483
13	57,763	699	489
14	58,462	707	495
15	59,170	716	501
16	59,885	725	507
17	60,610	733	513
18	61,343	742	520
19	62,086	751	526
20	62,837	760	532
	TOTAL	$13,597	$9,518

All calculations are for demonstration purposes only.

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Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18.
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
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Last change: ↓0.15% on October 13.
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Compare Savings vs. CDs Comparison of Deposit Account from STATE DEPARTMENT with 3.65% - November 2025

Long-Term Analysis of STATE DEPARTMENT with 3.75% APY and STATE DEPARTMENT with 3.49% APY and STATE DEPARTMENT with 3.65% APY and STATE DEPARTMENT with 1.21% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from STATE DEPARTMENT with 3.65% - November 2025