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Comparison of Deposit Account from Third Federal Savings and Loan Association of Cleveland with 3.65% - June 2025


Long-Term Analysis of UBank with 0.60% APY and Union Bank, Inc. with 0.39% APY and Third Federal Savings and Loan Association of Cleveland 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.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    UBank
    0.60%
    -
    $50,000
    60 Month
    Bank
    0.65x (National Avg. - 0.92%)
    $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
  • 2
    LOCAL CD
    Union Bank, Inc.
    0.39%
    -
    $50,000
    60 Month
    Bank
    0.42x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.39%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 195 137
    2 50,195 196 137
    3 50,391 197 138
    4 50,587 197 138
    5 50,785 198 139
    6 50,983 199 139
    7 51,181 200 140
    8 51,381 200 140
    9 51,581 201 141
    10 51,783 202 141
    11 51,985 203 142
    12 52,187 204 142
    13 52,391 204 143
    14 52,595 205 144
    15 52,800 206 144
    16 53,006 207 145
    17 53,213 208 145
    18 53,420 208 146
    19 53,629 209 146
    20 53,838 210 147
    TOTAL $4,048 $2,834
  • 3
    LOCAL CD
    Third Federal Savings and Loan Association of Cleveland
    3.65%
    -
    $50,000
    11 Month
    Bank
    N.A.
    $500
     
    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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