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Comparison of Deposit Account from SYRACUSE COOPERATIVE with 0.45% - December 2025


Long-Term Analysis of SYRACUSE COOPERATIVE with 0.45% APY and Cowboy State Bank with 2.52% 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
    SYRACUSE COOPERATIVE
    0.45%
    -
    $50,000
    18 Month
    Credit Union
    0.78x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 2
    LOCAL CD
    Cowboy State Bank
    2.52%
    -
    $50,000
    12 Month
    Bank
    4.60x (National Avg. - 0.55%)
    $0
     
    SCENARIO
    Year Rate
    2.52%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,260 882
    2 51,260 1,292 904
    3 52,552 1,324 927
    4 53,876 1,358 950
    5 55,234 1,392 974
    6 56,626 1,427 999
    7 58,053 1,463 1,024
    8 59,516 1,500 1,050
    9 61,015 1,538 1,076
    10 62,553 1,576 1,103
    11 64,129 1,616 1,131
    12 65,745 1,657 1,160
    13 67,402 1,699 1,189
    14 69,101 1,741 1,219
    15 70,842 1,785 1,250
    16 72,627 1,830 1,281
    17 74,457 1,876 1,313
    18 76,334 1,924 1,347
    19 78,257 1,972 1,380
    20 80,229 2,022 1,415
    TOTAL $32,251 $22,576

    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.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.

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