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Comparison of Deposit Account from The Baldwin State Bank with 1.41% - May 2025


Long-Term Analysis of The Baldwin State Bank with 1.41% APY and SELCO COMMUNITY with 1.00% APY and L G & W with 0.70% APY and ALL IN with 1.71% 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
    The Baldwin State Bank
    1.41%
    -
    $50,000
    48 Month
    Bank
    1.73x (National Avg. - 0.82%)
    $10,000
     
    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
  • 2
    LOCAL CD
    SELCO COMMUNITY
    1.00%
    -
    $50,000
    48 Month
    Credit Union
    1.23x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707
  • 3
    LOCAL CD
    L G & W
    0.70%
    -
    $50,000
    12 Month
    Credit Union
    1.27x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 4
    LOCAL MONEY MARKET
    ALL IN
    1.71%
    -
    $50,000
    N.A.
    Credit Union
    3.10x (National Avg. - 0.55%)
    $175,000
     
    SCENARIO
    Year Rate
    1.71%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 855 599
    2 50,855 870 609
    3 51,725 884 619
    4 52,609 900 630
    5 53,509 915 640
    6 54,424 931 651
    7 55,354 947 663
    8 56,301 963 674
    9 57,264 979 685
    10 58,243 996 697
    11 59,239 1,013 709
    12 60,252 1,030 721
    13 61,282 1,048 734
    14 62,330 1,066 746
    15 63,396 1,084 759
    16 64,480 1,103 772
    17 65,583 1,121 785
    18 66,704 1,141 798
    19 67,845 1,160 812
    20 69,005 1,180 826
    TOTAL $20,185 $14,129

    All calculations are for demonstration purposes only.

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