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Comparison of Deposit Account from SUN EAST with 0.50% - June 2025

Long-Term Analysis of SPIRIT OF ALASKA with 1.28% APY and SUN EAST with 0.50% APY and HERITAGE GROVE with 0.75% APY and Citibank, National Association with 3.75% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

SPIRIT OF ALASKA

1.28%

$50,000

36 Month

Credit Union

1.70x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.28%	Annual Interest	Annual Interest (After Tax)
1	50,000	640	448
2	50,640	648	454
3	51,288	656	460
4	51,945	665	465
5	52,610	673	471
6	53,283	682	477
7	53,965	691	484
8	54,656	700	490
9	55,355	709	496
10	56,064	718	502
11	56,782	727	509
12	57,508	736	515
13	58,244	746	522
14	58,990	755	529
15	59,745	765	535
16	60,510	775	542
17	61,284	784	549
18	62,069	794	556
19	62,863	805	563
20	63,668	815	570
	TOTAL	$14,483	$10,138

LOCAL MONEY MARKET

SUN EAST

0.50%

$50,000

N.A.

Credit Union

0.66x (National Avg. - 0.75%)

$25,000

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

LOCAL CD

HERITAGE GROVE

0.75%

$50,000

48 Month

Credit Union

0.92x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

Citibank, National Association

3.75%

$50,000

18 Month

Bank

6.45x (National Avg. - 0.58%)

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

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from SUN EAST with 0.50% - June 2025

Long-Term Analysis of SPIRIT OF ALASKA with 1.28% APY and SUN EAST with 0.50% APY and HERITAGE GROVE with 0.75% APY and Citibank, National Association with 3.75% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from SUN EAST with 0.50% - June 2025