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Compare Savings vs. CDs
Comparison of Deposit Account from TEXAS TECH with 0.90% - November 2025


Long-Term Analysis of F A A with 0.60% APY and MTC with 0.10% APY and DCH with 0.20% APY and DCH with 0.25% APY and REDSTONE with 1.41% APY and REDSTONE with 4.06% APY and TEXAS TECH with 0.90% APY and ONE SOURCE with 0.60% APY and FIRSTLIGHT with 1.20% APY and COMPLEX COMMUNITY with 3.09% APY and MY COMMUNITY with 0.25% APY and MY COMMUNITY with 0.35% APY and MY COMMUNITY with 0.50% APY and MY COMMUNITY with 0.60% APY and MY COMMUNITY with 1.06% APY and FIRST ABILENE with 0.45% APY and FIRST ABILENE with 0.55% APY and FIRST ABILENE with 0.60% APY and FIRST CENTRAL with 1.05% APY and H E B with 0.37% APY and SHELL with 3.75% APY and SHELL with 3.75% APY and SHELL with 3.75% APY and SHELL with 3.75% APY and SHELL with 3.50% APY and SHELL with 3.50% APY and SHELL with 3.50% APY and SHELL with 3.50% APY and SHELL with 3.00% APY and SHELL with 3.00% APY and SHELL with 3.50% APY and SHELL with 3.50% APY and SHELL with 1.35% APY and SHELL with 1.45% APY and SECURITY FIRST with 1.46% APY and SECURITY FIRST with 2.58% APY and SECURITY FIRST with 3.05% APY and SECURITY FIRST with 2.99% APY and SHELL with 3.15% APY and SHELL with 3.90% APY and SHELL with 3.65% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    F A A
    0.60%
    -
    $50,000
    36 Month
    Credit Union
    0.80x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 2
    LOCAL SAVINGS
    MTC
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.44x (National Avg. - 0.23%)
    $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
  • 3
    LOCAL MONEY MARKET
    DCH
    0.20%
    -
    $50,000
    N.A.
    Credit Union
    0.88x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 4
    LOCAL MONEY MARKET
    DCH
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    1.11x (National Avg. - 0.23%)
    $25,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 5
    LOCAL MONEY MARKET
    REDSTONE
    1.41%
    -
    $50,000
    N.A.
    Credit Union
    6.24x (National Avg. - 0.23%)
    $100,000
     
    SCENARIO
    Year Rate
    1.41%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 705 494
    2 50,705 715 500
    3 51,420 725 508
    4 52,145 735 515
    5 52,880 746 522
    6 53,626 756 529
    7 54,382 767 537
    8 55,149 778 544
    9 55,926 789 552
    10 56,715 800 560
    11 57,515 811 568
    12 58,326 822 576
    13 59,148 834 584
    14 59,982 846 592
    15 60,828 858 600
    16 61,685 870 609
    17 62,555 882 617
    18 63,437 894 626
    19 64,332 907 635
    20 65,239 920 644
    TOTAL $16,159 $11,311
  • 6
    LOCAL SAVINGS
    REDSTONE
    4.06%
    -
    $50,000
    N.A.
    Credit Union
    17.96x (National Avg. - 0.23%)
    $0
     
    SCENARIO
    Year Rate
    4.06%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,030 1,421
    2 52,030 2,112 1,479
    3 54,142 2,198 1,539
    4 56,341 2,287 1,601
    5 58,628 2,380 1,666
    6 61,008 2,477 1,734
    7 63,485 2,578 1,804
    8 66,063 2,682 1,878
    9 68,745 2,791 1,954
    10 71,536 2,904 2,033
    11 74,440 3,022 2,116
    12 77,463 3,145 2,201
    13 80,608 3,273 2,291
    14 83,880 3,406 2,384
    15 87,286 3,544 2,481
    16 90,830 3,688 2,581
    17 94,517 3,837 2,686
    18 98,355 3,993 2,795
    19 102,348 4,155 2,909
    20 106,503 4,324 3,027
    TOTAL $60,827 $42,579
  • 7
    LOCAL CD
    TEXAS TECH
    0.90%
    -
    $50,000
    6 Month
    Credit Union
    2.22x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 8
    LOCAL CD
    ONE SOURCE
    0.60%
    -
    $50,000
    36 Month
    Credit Union
    0.80x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 9
    LOCAL CD
    FIRSTLIGHT
    1.20%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    1.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 600 420
    2 50,600 607 425
    3 51,207 614 430
    4 51,822 622 435
    5 52,444 629 441
    6 53,073 637 446
    7 53,710 645 451
    8 54,354 652 457
    9 55,007 660 462
    10 55,667 668 468
    11 56,335 676 473
    12 57,011 684 479
    13 57,695 692 485
    14 58,387 701 490
    15 59,088 709 496
    16 59,797 718 502
    17 60,514 726 508
    18 61,240 735 514
    19 61,975 744 521
    20 62,719 753 527
    TOTAL $13,472 $9,430
  • 10
    LOCAL CD
    COMPLEX COMMUNITY
    3.09%
    -
    $50,000
    24 Month
    Credit Union
    4.68x (National Avg. - 0.66%)
    $0
     
    SCENARIO
    Year Rate
    3.09%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,545 1,082
    2 51,545 1,593 1,115
    3 53,138 1,642 1,149
    4 54,780 1,693 1,185
    5 56,472 1,745 1,221
    6 58,217 1,799 1,259
    7 60,016 1,855 1,298
    8 61,871 1,912 1,338
    9 63,783 1,971 1,380
    10 65,753 2,032 1,422
    11 67,785 2,095 1,466
    12 69,880 2,159 1,512
    13 72,039 2,226 1,558
    14 74,265 2,295 1,606
    15 76,560 2,366 1,656
    16 78,926 2,439 1,707
    17 81,364 2,514 1,760
    18 83,879 2,592 1,814
    19 86,470 2,672 1,870
    20 89,142 2,754 1,928
    TOTAL $41,897 $29,328
  • 11
    LOCAL CD
    MY COMMUNITY
    0.25%
    -
    $50,000
    12 Month
    Credit Union
    0.46x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 12
    LOCAL CD
    MY COMMUNITY
    0.35%
    -
    $50,000
    12 Month
    Credit Union
    0.64x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 13
    LOCAL CD
    MY COMMUNITY
    0.50%
    -
    $50,000
    24 Month
    Credit Union
    0.76x (National Avg. - 0.66%)
    $10,000
     
    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
  • 14
    LOCAL CD
    MY COMMUNITY
    0.60%
    -
    $50,000
    24 Month
    Credit Union
    0.91x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 15
    LOCAL CD
    MY COMMUNITY
    1.06%
    -
    $50,000
    36 Month
    Credit Union
    1.41x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.06%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 530 371
    2 50,530 536 375
    3 51,066 541 379
    4 51,607 547 383
    5 52,154 553 387
    6 52,707 559 391
    7 53,265 565 395
    8 53,830 571 399
    9 54,401 577 404
    10 54,977 583 408
    11 55,560 589 412
    12 56,149 595 417
    13 56,744 601 421
    14 57,346 608 426
    15 57,954 614 430
    16 58,568 621 435
    17 59,189 627 439
    18 59,816 634 444
    19 60,450 641 449
    20 61,091 648 453
    TOTAL $11,738 $8,217
  • 16
    LOCAL CD
    FIRST ABILENE
    0.45%
    -
    $50,000
    24 Month
    Credit Union
    0.68x (National Avg. - 0.66%)
    $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
  • 17
    LOCAL CD
    FIRST ABILENE
    0.55%
    -
    $50,000
    36 Month
    Credit Union
    0.73x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 18
    LOCAL CD
    FIRST ABILENE
    0.60%
    -
    $50,000
    36 Month
    Credit Union
    0.80x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 19
    LOCAL CD
    FIRST CENTRAL
    1.05%
    -
    $50,000
    36 Month
    Credit Union
    1.39x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 525 368
    2 50,525 531 371
    3 51,056 536 375
    4 51,592 542 379
    5 52,133 547 383
    6 52,681 553 387
    7 53,234 559 391
    8 53,793 565 395
    9 54,358 571 400
    10 54,928 577 404
    11 55,505 583 408
    12 56,088 589 412
    13 56,677 595 417
    14 57,272 601 421
    15 57,873 608 425
    16 58,481 614 430
    17 59,095 620 434
    18 59,716 627 439
    19 60,343 634 444
    20 60,976 640 448
    TOTAL $11,616 $8,131
  • 20
    LOCAL CD
    H E B
    0.37%
    -
    $50,000
    6 Month
    Credit Union
    0.91x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.37%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 185 130
    2 50,185 186 130
    3 50,371 186 130
    4 50,557 187 131
    5 50,744 188 131
    6 50,932 188 132
    7 51,120 189 132
    8 51,309 190 133
    9 51,499 191 133
    10 51,690 191 134
    11 51,881 192 134
    12 52,073 193 135
    13 52,266 193 135
    14 52,459 194 136
    15 52,653 195 136
    16 52,848 196 137
    17 53,044 196 137
    18 53,240 197 138
    19 53,437 198 138
    20 53,635 198 139
    TOTAL $3,833 $2,683
  • 21
    LOCAL CD
    SHELL
    3.75%
    -
    $50,000
    12 Month
    Credit Union
    6.83x (National Avg. - 0.55%)
    $500
     
    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
  • 22
    LOCAL CD
    SHELL
    3.75%
    -
    $50,000
    12 Month
    Credit Union
    6.83x (National Avg. - 0.55%)
    $25,000
     
    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
  • 23
    LOCAL CD
    SHELL
    3.75%
    -
    $50,000
    18 Month
    Credit Union
    6.48x (National Avg. - 0.58%)
    $500
     
    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
  • 24
    LOCAL CD
    SHELL
    3.75%
    -
    $50,000
    18 Month
    Credit Union
    6.48x (National Avg. - 0.58%)
    $25,000
     
    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
  • 25
    LOCAL CD
    SHELL
    3.50%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $25,000
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 26
    LOCAL CD
    SHELL
    3.50%
    -
    $50,000
    36 Month
    Credit Union
    4.64x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 27
    LOCAL CD
    SHELL
    3.50%
    -
    $50,000
    48 Month
    Credit Union
    4.27x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 28
    LOCAL CD
    SHELL
    3.50%
    -
    $50,000
    48 Month
    Credit Union
    4.27x (National Avg. - 0.82%)
    $25,000
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 29
    LOCAL CD
    SHELL
    3.00%
    -
    $50,000
    6 Month
    Credit Union
    7.41x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 30
    LOCAL CD
    SHELL
    3.00%
    -
    $50,000
    6 Month
    Credit Union
    7.41x (National Avg. - 0.41%)
    $25,000
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 31
    LOCAL CD
    SHELL
    3.50%
    -
    $50,000
    60 Month
    Credit Union
    3.79x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 32
    LOCAL CD
    SHELL
    3.50%
    -
    $50,000
    60 Month
    Credit Union
    3.79x (National Avg. - 0.92%)
    $25,000
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 33
    LOCAL MONEY MARKET
    SHELL
    1.35%
    -
    $50,000
    N.A.
    Credit Union
    1.46x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 675 473
    2 50,675 684 479
    3 51,359 693 485
    4 52,052 703 492
    5 52,755 712 499
    6 53,467 722 505
    7 54,189 732 512
    8 54,921 741 519
    9 55,662 751 526
    10 56,414 762 533
    11 57,175 772 540
    12 57,947 782 548
    13 58,729 793 555
    14 59,522 804 562
    15 60,326 814 570
    16 61,140 825 578
    17 61,966 837 586
    18 62,802 848 593
    19 63,650 859 601
    20 64,509 871 610
    TOTAL $15,380 $10,766
  • 34
    LOCAL MONEY MARKET
    SHELL
    1.45%
    -
    $50,000
    N.A.
    Credit Union
    1.57x (National Avg. - 0.92%)
    $25,000
     
    SCENARIO
    Year Rate
    1.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 725 508
    2 50,725 736 515
    3 51,461 746 522
    4 52,207 757 530
    5 52,964 768 538
    6 53,732 779 545
    7 54,511 790 553
    8 55,301 802 561
    9 56,103 813 569
    10 56,917 825 578
    11 57,742 837 586
    12 58,579 849 595
    13 59,428 862 603
    14 60,290 874 612
    15 61,164 887 621
    16 62,051 900 630
    17 62,951 913 639
    18 63,864 926 648
    19 64,790 939 658
    20 65,729 953 667
    TOTAL $16,682 $11,678
  • 35
    LOCAL CD
    SECURITY FIRST
    1.46%
    -
    $50,000
    12 Month
    Credit Union
    2.66x (National Avg. - 0.55%)
    $50,000
     
    SCENARIO
    Year Rate
    1.46%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 730 511
    2 50,730 741 518
    3 51,471 751 526
    4 52,222 762 534
    5 52,985 774 542
    6 53,758 785 549
    7 54,543 796 557
    8 55,339 808 566
    9 56,147 820 574
    10 56,967 832 582
    11 57,799 844 591
    12 58,643 856 599
    13 59,499 869 608
    14 60,367 881 617
    15 61,249 894 626
    16 62,143 907 635
    17 63,050 921 644
    18 63,971 934 654
    19 64,905 948 663
    20 65,853 961 673
    TOTAL $16,814 $11,770
  • 36
    LOCAL CD
    SECURITY FIRST
    2.58%
    -
    $50,000
    18 Month
    Credit Union
    4.46x (National Avg. - 0.58%)
    $50,000
     
    SCENARIO
    Year Rate
    2.58%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,290 903
    2 51,290 1,323 926
    3 52,613 1,357 950
    4 53,971 1,392 975
    5 55,363 1,428 1,000
    6 56,792 1,465 1,026
    7 58,257 1,503 1,052
    8 59,760 1,542 1,079
    9 61,302 1,582 1,107
    10 62,883 1,622 1,136
    11 64,506 1,664 1,165
    12 66,170 1,707 1,195
    13 67,877 1,751 1,226
    14 69,628 1,796 1,257
    15 71,425 1,843 1,290
    16 73,267 1,890 1,323
    17 75,158 1,939 1,357
    18 77,097 1,989 1,392
    19 79,086 2,040 1,428
    20 81,126 2,093 1,465
    TOTAL $33,219 $23,253
  • 37
    LOCAL CD
    SECURITY FIRST
    3.05%
    -
    $50,000
    48 Month
    Credit Union
    3.72x (National Avg. - 0.82%)
    $25,000
     
    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
  • 38
    LOCAL CD
    SECURITY FIRST
    2.99%
    -
    $50,000
    84 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    2.99%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,495 1,047
    2 51,495 1,540 1,078
    3 53,035 1,586 1,110
    4 54,620 1,633 1,143
    5 56,254 1,682 1,177
    6 57,936 1,732 1,213
    7 59,668 1,784 1,249
    8 61,452 1,837 1,286
    9 63,289 1,892 1,325
    10 65,182 1,949 1,364
    11 67,131 2,007 1,405
    12 69,138 2,067 1,447
    13 71,205 2,129 1,490
    14 73,334 2,193 1,535
    15 75,527 2,258 1,581
    16 77,785 2,326 1,628
    17 80,111 2,395 1,677
    18 82,506 2,467 1,727
    19 84,973 2,541 1,778
    20 87,514 2,617 1,832
    TOTAL $40,130 $28,091
  • 39
    LOCAL CD
    SHELL
    3.15%
    -
    $50,000
    6 Month
    Credit Union
    7.78x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    3.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,575 1,103
    2 51,575 1,625 1,137
    3 53,200 1,676 1,173
    4 54,875 1,729 1,210
    5 56,604 1,783 1,248
    6 58,387 1,839 1,287
    7 60,226 1,897 1,328
    8 62,123 1,957 1,370
    9 64,080 2,019 1,413
    10 66,099 2,082 1,457
    11 68,181 2,148 1,503
    12 70,329 2,215 1,551
    13 72,544 2,285 1,600
    14 74,829 2,357 1,650
    15 77,186 2,431 1,702
    16 79,617 2,508 1,756
    17 82,125 2,587 1,811
    18 84,712 2,668 1,868
    19 87,381 2,752 1,927
    20 90,133 2,839 1,987
    TOTAL $42,973 $30,081
  • 40
    LOCAL CD
    SHELL
    3.90%
    -
    $50,000
    12 Month
    Credit Union
    7.10x (National Avg. - 0.55%)
    $50,000
     
    SCENARIO
    Year Rate
    3.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,950 1,365
    2 51,950 2,026 1,418
    3 53,976 2,105 1,474
    4 56,081 2,187 1,531
    5 58,268 2,272 1,591
    6 60,541 2,361 1,653
    7 62,902 2,453 1,717
    8 65,355 2,549 1,784
    9 67,904 2,648 1,854
    10 70,552 2,752 1,926
    11 73,304 2,859 2,001
    12 76,162 2,970 2,079
    13 79,133 3,086 2,160
    14 82,219 3,207 2,245
    15 85,426 3,332 2,332
    16 88,757 3,462 2,423
    17 92,219 3,597 2,518
    18 95,815 3,737 2,616
    19 99,552 3,883 2,718
    20 103,434 4,034 2,824
    TOTAL $57,468 $40,228
  • 41
    LOCAL CD
    SHELL
    3.65%
    -
    $50,000
    48 Month
    Credit Union
    4.46x (National Avg. - 0.82%)
    $50,000
     
    SCENARIO
    Year Rate
    3.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,825 1,278
    2 51,825 1,892 1,324
    3 53,717 1,961 1,372
    4 55,677 2,032 1,423
    5 57,709 2,106 1,474
    6 59,816 2,183 1,528
    7 61,999 2,263 1,584
    8 64,262 2,346 1,642
    9 66,608 2,431 1,702
    10 69,039 2,520 1,764
    11 71,559 2,612 1,828
    12 74,171 2,707 1,895
    13 76,878 2,806 1,964
    14 79,684 2,908 2,036
    15 82,592 3,015 2,110
    16 85,607 3,125 2,187
    17 88,732 3,239 2,267
    18 91,970 3,357 2,350
    19 95,327 3,479 2,436
    20 98,807 3,606 2,525
    TOTAL $52,413 $36,689

    All calculations are for demonstration purposes only.

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