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Comparison of Deposit Account from SWEETWATER with 0.40% - December 2025


Long-Term Analysis of SWEETWATER with 0.40% APY and RIVERVIEW with 2.43% 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
    SWEETWATER
    0.40%
    -
    $50,000
    24 Month
    Credit Union
    0.61x (National Avg. - 0.66%)
    $100,000
     
    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
  • 2
    LOCAL CD
    RIVERVIEW
    2.43%
    -
    $50,000
    36 Month
    Credit Union
    3.23x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    2.43%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,215 851
    2 51,215 1,245 871
    3 52,460 1,275 892
    4 53,734 1,306 914
    5 55,040 1,337 936
    6 56,378 1,370 959
    7 57,747 1,403 982
    8 59,151 1,437 1,006
    9 60,588 1,472 1,031
    10 62,060 1,508 1,056
    11 63,568 1,545 1,081
    12 65,113 1,582 1,108
    13 66,695 1,621 1,134
    14 68,316 1,660 1,162
    15 69,976 1,700 1,190
    16 71,677 1,742 1,219
    17 73,418 1,784 1,249
    18 75,202 1,827 1,279
    19 77,030 1,872 1,310
    20 78,902 1,917 1,342
    TOTAL $30,819 $21,573

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
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