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Comparison of Deposit Account from SUFFOLK with 0.50% - May 2025


Long-Term Analysis of WELD COMMUNITY with 0.85% APY and First Bank with 0.10% APY and SUFFOLK with 0.50% 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
    WELD COMMUNITY
    0.85%
    -
    $50,000
    60 Month
    Credit Union
    0.93x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 427 299
    2 50,427 430 301
    3 50,857 434 304
    4 51,290 438 306
    5 51,728 441 309
    6 52,169 445 312
    7 52,614 449 314
    8 53,063 453 317
    9 53,516 456 320
    10 53,972 460 322
    11 54,432 464 325
    12 54,897 468 328
    13 55,365 472 331
    14 55,837 476 333
    15 56,314 480 336
    16 56,794 484 339
    17 57,278 489 342
    18 57,767 493 345
    19 58,260 497 348
    20 58,757 501 351
    TOTAL $9,258 $6,481
  • 2
    LOCAL MONEY MARKET
    First Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.11x (National Avg. - 0.92%)
    $10,000
     
    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 MONEY MARKET
    SUFFOLK
    0.50%
    -
    $50,000
    N.A.
    Credit Union
    0.54x (National Avg. - 0.92%)
    $50,000
     
    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

    All calculations are for demonstration purposes only.

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