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Comparison of Deposit Account from THE UNITED with 1.10% - May 2025


Long-Term Analysis of The Park National Bank with 0.01% APY and Bell Bank with 2.53% APY and ILLINOIS STATE with 0.85% APY and Providence Bank & Trust with 0.10% APY and TOPLINE with 1.13% APY and THE UNITED with 1.10% 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 SAVINGS
    The Park National Bank
    0.01%
    -
    $50,000
    N.A.
    Bank
    0.04x (National Avg. - 0.22%)
    $2,500
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 2
    LOCAL MONEY MARKET
    Bell Bank
    2.53%
    -
    $50,000
    N.A.
    Bank
    11.35x (National Avg. - 0.22%)
    $1,000,000
     
    SCENARIO
    Year Rate
    2.53%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,265 886
    2 51,265 1,297 908
    3 52,562 1,330 931
    4 53,892 1,363 954
    5 55,255 1,398 979
    6 56,653 1,433 1,003
    7 58,087 1,470 1,029
    8 59,556 1,507 1,055
    9 61,063 1,545 1,081
    10 62,608 1,584 1,109
    11 64,192 1,624 1,137
    12 65,816 1,665 1,166
    13 67,481 1,707 1,195
    14 69,188 1,750 1,225
    15 70,939 1,795 1,256
    16 72,733 1,840 1,288
    17 74,574 1,887 1,321
    18 76,460 1,934 1,354
    19 78,395 1,983 1,388
    20 80,378 2,034 1,423
    TOTAL $32,412 $22,688
  • 3
    LOCAL MONEY MARKET
    ILLINOIS STATE
    0.85%
    -
    $50,000
    N.A.
    Credit Union
    3.81x (National Avg. - 0.22%)
    $25,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 4
    N.A.
    Providence Bank & Trust
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.45x (National Avg. - 0.22%)
    $25,000
     
    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
  • 5
    LOCAL CD
    TOPLINE
    1.13%
    -
    $50,000
    36 Month
    Credit Union
    1.50x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.13%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 565 396
    2 50,565 571 400
    3 51,136 578 404
    4 51,714 584 409
    5 52,299 591 414
    6 52,890 598 418
    7 53,487 604 423
    8 54,092 611 428
    9 54,703 618 433
    10 55,321 625 438
    11 55,946 632 443
    12 56,578 639 448
    13 57,218 647 453
    14 57,864 654 458
    15 58,518 661 463
    16 59,179 669 468
    17 59,848 676 473
    18 60,524 684 479
    19 61,208 692 484
    20 61,900 699 490
    TOTAL $12,599 $8,820
  • 6
    LOCAL CD
    THE UNITED
    1.10%
    -
    $50,000
    60 Month
    Credit Union
    1.20x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 550 385
    2 50,550 556 389
    3 51,106 562 394
    4 51,668 568 398
    5 52,237 575 402
    6 52,811 581 407
    7 53,392 587 411
    8 53,979 594 416
    9 54,573 600 420
    10 55,173 607 425
    11 55,780 614 430
    12 56,394 620 434
    13 57,014 627 439
    14 57,641 634 444
    15 58,276 641 449
    16 58,917 648 454
    17 59,565 655 459
    18 60,220 662 464
    19 60,882 670 469
    20 61,552 677 474
    TOTAL $12,229 $8,560

    All calculations are for demonstration purposes only.

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