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Comparison of Deposit Account from STRATA with 1.25% - May 2025


Long-Term Analysis of STRATA with 1.25% APY and COASTAL with 0.10% APY and UNIFY FINANCIAL with 0.10% APY and First Resource Bank with 0.35% APY and My e-Banc, a division of Bradesco BAC Florida Bank with 4.45% 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.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    STRATA
    1.25%
    -
    $50,000
    60 Month
    Credit Union
    1.36x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 625 438
    2 50,625 633 443
    3 51,258 641 449
    4 51,899 649 454
    5 52,547 657 460
    6 53,204 665 466
    7 53,869 673 471
    8 54,543 682 477
    9 55,224 690 483
    10 55,915 699 489
    11 56,614 708 495
    12 57,321 717 502
    13 58,038 725 508
    14 58,763 735 514
    15 59,498 744 521
    16 60,241 753 527
    17 60,994 762 534
    18 61,757 772 540
    19 62,529 782 547
    20 63,310 791 554
    TOTAL $14,102 $9,871
  • 2
    LOCAL SAVINGS
    COASTAL
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.45x (National Avg. - 0.22%)
    $25
     
    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
  • 3
    LOCAL SAVINGS
    UNIFY FINANCIAL
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.45x (National Avg. - 0.22%)
    $200
     
    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
  • 4
    LOCAL CD
    First Resource Bank
    0.35%
    -
    $50,000
    12 Month
    Bank
    0.64x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 5
    LOCAL CD
    My e-Banc, a division of Bradesco BAC Florida Bank
    4.45%
    -
    $50,000
    12 Month
    Online Bank
    8.08x (National Avg. - 0.55%)
    $50,000
     
    SCENARIO
    Year Rate
    4.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,225 1,558
    2 52,225 2,324 1,627
    3 54,549 2,427 1,699
    4 56,976 2,535 1,775
    5 59,512 2,648 1,854
    6 62,160 2,766 1,936
    7 64,926 2,889 2,022
    8 67,816 3,018 2,112
    9 70,833 3,152 2,206
    10 73,985 3,292 2,305
    11 77,278 3,439 2,407
    12 80,717 3,592 2,514
    13 84,308 3,752 2,626
    14 88,060 3,919 2,743
    15 91,979 4,093 2,865
    16 96,072 4,275 2,993
    17 100,347 4,465 3,126
    18 104,813 4,664 3,265
    19 109,477 4,872 3,410
    20 114,348 5,089 3,562
    TOTAL $69,437 $48,606

    All calculations are for demonstration purposes only.

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