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Comparison of Deposit Account from Texas State Bank with 0.10% - July 2025


Long-Term Analysis of Texas State Bank with 0.10% APY and HUGHES with 3.05% APY and DENVER COMMUNITY CU D.B.A. ZING CU with 2.00% APY and IDB GLOBAL with 1.31% 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 MONEY MARKET
    Texas State Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $2,500
     
    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
  • 2
    LOCAL MONEY MARKET
    HUGHES
    3.05%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $75,000
     
    SCENARIO
    Year Rate
    3.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,525 1,068
    2 51,525 1,572 1,100
    3 53,097 1,619 1,134
    4 54,716 1,669 1,168
    5 56,385 1,720 1,204
    6 58,105 1,772 1,241
    7 59,877 1,826 1,278
    8 61,703 1,882 1,317
    9 63,585 1,939 1,358
    10 65,524 1,998 1,399
    11 67,523 2,059 1,442
    12 69,582 2,122 1,486
    13 71,704 2,187 1,531
    14 73,891 2,254 1,578
    15 76,145 2,322 1,626
    16 78,468 2,393 1,675
    17 80,861 2,466 1,726
    18 83,327 2,541 1,779
    19 85,869 2,619 1,833
    20 88,488 2,699 1,889
    TOTAL $41,186 $28,830
  • 3
    LOCAL MONEY MARKET
    DENVER COMMUNITY CU D.B.A. ZING CU
    2.00%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $75,000
     
    SCENARIO
    Year Rate
    2.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,000 700
    2 51,000 1,020 714
    3 52,020 1,040 728
    4 53,060 1,061 743
    5 54,122 1,082 758
    6 55,204 1,104 773
    7 56,308 1,126 788
    8 57,434 1,149 804
    9 58,583 1,172 820
    10 59,755 1,195 837
    11 60,950 1,219 853
    12 62,169 1,243 870
    13 63,412 1,268 888
    14 64,680 1,294 906
    15 65,974 1,319 924
    16 67,293 1,346 942
    17 68,639 1,373 961
    18 70,012 1,400 980
    19 71,412 1,428 1,000
    20 72,841 1,457 1,020
    TOTAL $24,297 $17,008
  • 4
    LOCAL CD
    IDB GLOBAL
    1.31%
    -
    $50,000
    60 Month
    Credit Union
    1.42x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406

    All calculations are for demonstration purposes only.

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