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Comparison of Deposit Account from The Berkshire Bank with 0.40% - November 2025


Long-Term Analysis of Crown Bank with 0.25% APY and Crown Bank with 0.20% APY and The Berkshire Bank with 0.40% APY and The Berkshire Bank with 0.25% APY and The Berkshire Bank with 0.40% APY and The Berkshire Bank with 0.10% APY and Lusitania Savings Bank with 0.20% APY and Lusitania Savings Bank with 0.10% APY and Somerset Savings Bank, SLA with 0.05% APY and Newfield National Bank with 0.55% APY and CAPITAL COMMUNICATIONS with 3.75% APY and CAPITAL COMMUNICATIONS with 3.50% APY and CAPITAL COMMUNICATIONS with 1.50% APY and CAPITAL COMMUNICATIONS with 1.35% APY and Independent Bank with 0.75% APY and Independent Bank with 0.50% APY and CAPITAL COMMUNICATIONS with 2.25% 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
    Crown Bank
    0.25%
    -
    $50,000
    12 Month
    Bank
    0.45x (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
  • 2
    LOCAL MONEY MARKET
    Crown Bank
    0.20%
    -
    $50,000
    N.A.
    Bank
    0.36x (National Avg. - 0.55%)
    $25,000
     
    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
  • 3
    LOCAL CD
    The Berkshire Bank
    0.40%
    -
    $50,000
    12 Month
    Bank
    0.73x (National Avg. - 0.55%)
    $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
  • 4
    LOCAL CD
    The Berkshire Bank
    0.25%
    -
    $50,000
    36 Month
    Bank
    0.33x (National Avg. - 0.75%)
    $100,000
     
    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 CD
    The Berkshire Bank
    0.40%
    -
    $50,000
    6 Month
    Bank
    0.99x (National Avg. - 0.41%)
    $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
  • 6
    LOCAL MONEY MARKET
    The Berkshire Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.25x (National Avg. - 0.41%)
    $10,000
     
    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
  • 7
    LOCAL CD
    Lusitania Savings Bank
    0.20%
    -
    $50,000
    6 Month
    Bank
    0.49x (National Avg. - 0.41%)
    $100,000
     
    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
  • 8
    LOCAL SAVINGS
    Lusitania Savings Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.45x (National Avg. - 0.22%)
    $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
  • 9
    LOCAL SAVINGS
    Somerset Savings Bank, SLA
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.22x (National Avg. - 0.22%)
    $2,500
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 10
    LOCAL CD
    Newfield National Bank
    0.55%
    -
    $50,000
    12 Month
    Bank
    1.00x (National Avg. - 0.55%)
    $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
  • 11
    LOCAL CD
    CAPITAL COMMUNICATIONS
    3.75%
    -
    $50,000
    18 Month
    Credit Union
    6.48x (National Avg. - 0.58%)
    $100
     
    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
  • 12
    LOCAL CD
    CAPITAL COMMUNICATIONS
    3.50%
    -
    $50,000
    12 Month
    Credit Union
    6.36x (National Avg. - 0.55%)
    $100
     
    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
  • 13
    LOCAL MONEY MARKET
    CAPITAL COMMUNICATIONS
    1.50%
    -
    $50,000
    N.A.
    Credit Union
    2.73x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    1.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 750 525
    2 50,750 761 533
    3 51,511 773 541
    4 52,284 784 549
    5 53,068 796 557
    6 53,864 808 566
    7 54,672 820 574
    8 55,492 832 583
    9 56,325 845 591
    10 57,169 858 600
    11 58,027 870 609
    12 58,897 883 618
    13 59,781 897 628
    14 60,678 910 637
    15 61,588 924 647
    16 62,512 938 656
    17 63,449 952 666
    18 64,401 966 676
    19 65,367 981 686
    20 66,348 995 697
    TOTAL $17,343 $12,140
  • 14
    LOCAL MONEY MARKET
    CAPITAL COMMUNICATIONS
    1.35%
    -
    $50,000
    N.A.
    Credit Union
    2.45x (National Avg. - 0.55%)
    $2,500
     
    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
  • 15
    LOCAL CD
    Independent Bank
    0.75%
    -
    $50,000
    48 Month
    Bank
    0.92x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 16
    LOCAL CD
    Independent Bank
    0.50%
    -
    $50,000
    6 Month
    Bank
    1.23x (National Avg. - 0.41%)
    $100,000
     
    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
  • 17
    LOCAL SAVINGS
    CAPITAL COMMUNICATIONS
    2.25%
    -
    $50,000
    N.A.
    Credit Union
    10.04x (National Avg. - 0.22%)
    $50,000
     
    SCENARIO
    Year Rate
    2.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,125 788
    2 51,125 1,150 805
    3 52,275 1,176 823
    4 53,452 1,203 842
    5 54,654 1,230 861
    6 55,884 1,257 880
    7 57,141 1,286 900
    8 58,427 1,315 920
    9 59,742 1,344 941
    10 61,086 1,374 962
    11 62,460 1,405 984
    12 63,866 1,437 1,006
    13 65,302 1,469 1,029
    14 66,772 1,502 1,052
    15 68,274 1,536 1,075
    16 69,810 1,571 1,100
    17 71,381 1,606 1,124
    18 72,987 1,642 1,150
    19 74,629 1,679 1,175
    20 76,309 1,717 1,202
    TOTAL $28,025 $19,618

    All calculations are for demonstration purposes only.

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