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Comparison of Deposit Account from Sterling Federal Bank, F.S.B. with 0.40% - May 2025


Long-Term Analysis of TUCSON OLD PUEBLO with 1.10% APY and Community National Bank in Monmouth with 0.91% APY and Sterling Federal Bank, F.S.B. with 0.40% 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
    TUCSON OLD PUEBLO
    1.10%
    -
    $50,000
    60 Month
    Credit Union
    1.20x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 550 385
    2 50,550 556 389
    3 51,106 562 394
    4 51,668 568 398
    5 52,237 575 402
    6 52,811 581 407
    7 53,392 587 411
    8 53,979 594 416
    9 54,573 600 420
    10 55,173 607 425
    11 55,780 614 430
    12 56,394 620 434
    13 57,014 627 439
    14 57,641 634 444
    15 58,276 641 449
    16 58,917 648 454
    17 59,565 655 459
    18 60,220 662 464
    19 60,882 670 469
    20 61,552 677 474
    TOTAL $12,229 $8,560
  • 2
    LOCAL CD
    Community National Bank in Monmouth
    0.91%
    -
    $50,000
    48 Month
    Bank
    1.12x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.91%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 455 319
    2 50,455 459 321
    3 50,914 463 324
    4 51,377 468 327
    5 51,845 472 330
    6 52,317 476 333
    7 52,793 480 336
    8 53,273 485 339
    9 53,758 489 342
    10 54,247 494 346
    11 54,741 498 349
    12 55,239 503 352
    13 55,742 507 355
    14 56,249 512 358
    15 56,761 517 362
    16 57,277 521 365
    17 57,799 526 368
    18 58,325 531 372
    19 58,855 536 375
    20 59,391 540 378
    TOTAL $9,931 $6,952
  • 3
    LOCAL MONEY MARKET
    Sterling Federal Bank, F.S.B.
    0.40%
    -
    $50,000
    N.A.
    Bank
    0.49x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909

    All calculations are for demonstration purposes only.

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