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Comparison of Deposit Account from THREE RIVERS with 1.30% - November 2025


Long-Term Analysis of Glacier Bank with 0.03% APY and GEORGIA'S OWN with 1.00% APY and GEORGIA'S OWN with 5.01% APY and GEORGIA'S OWN with 3.21% APY and GEORGIA'S OWN with 3.46% APY and THREE RIVERS with 1.30% 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 MONEY MARKET
    Glacier Bank
    0.03%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 2
    LOCAL MONEY MARKET
    GEORGIA'S OWN
    1.00%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $10,000
     
    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
    GEORGIA'S OWN
    5.01%
    -
    $50,000
    12 Month
    Credit Union
    9.11x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    5.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,505 1,754
    2 52,505 2,631 1,841
    3 55,136 2,762 1,934
    4 57,898 2,901 2,030
    5 60,798 3,046 2,132
    6 63,844 3,199 2,239
    7 67,043 3,359 2,351
    8 70,402 3,527 2,469
    9 73,929 3,704 2,593
    10 77,633 3,889 2,723
    11 81,522 4,084 2,859
    12 85,607 4,289 3,002
    13 89,895 4,504 3,153
    14 94,399 4,729 3,311
    15 99,129 4,966 3,476
    16 104,095 5,215 3,651
    17 109,310 5,476 3,834
    18 114,787 5,751 4,026
    19 120,537 6,039 4,227
    20 126,576 6,341 4,439
    TOTAL $82,918 $58,042
  • 4
    LOCAL CD
    GEORGIA'S OWN
    3.21%
    -
    $50,000
    36 Month
    Credit Union
    4.26x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    3.21%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,605 1,124
    2 51,605 1,657 1,160
    3 53,262 1,710 1,197
    4 54,971 1,765 1,235
    5 56,736 1,821 1,275
    6 58,557 1,880 1,316
    7 60,437 1,940 1,358
    8 62,377 2,002 1,402
    9 64,379 2,067 1,447
    10 66,446 2,133 1,493
    11 68,578 2,201 1,541
    12 70,780 2,272 1,590
    13 73,052 2,345 1,641
    14 75,397 2,420 1,694
    15 77,817 2,498 1,749
    16 80,315 2,578 1,805
    17 82,893 2,661 1,863
    18 85,554 2,746 1,922
    19 88,300 2,834 1,984
    20 91,135 2,925 2,048
    TOTAL $44,060 $30,842
  • 5
    LOCAL CD
    GEORGIA'S OWN
    3.46%
    -
    $50,000
    48 Month
    Credit Union
    4.22x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    3.46%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,730 1,211
    2 51,730 1,790 1,253
    3 53,520 1,852 1,296
    4 55,372 1,916 1,341
    5 57,288 1,982 1,388
    6 59,270 2,051 1,436
    7 61,320 2,122 1,485
    8 63,442 2,195 1,537
    9 65,637 2,271 1,590
    10 67,908 2,350 1,645
    11 70,258 2,431 1,702
    12 72,689 2,515 1,761
    13 75,204 2,602 1,821
    14 77,806 2,692 1,884
    15 80,498 2,785 1,950
    16 83,283 2,882 2,017
    17 86,165 2,981 2,087
    18 89,146 3,084 2,159
    19 92,230 3,191 2,234
    20 95,422 3,302 2,311
    TOTAL $48,723 $34,106
  • 6
    LOCAL MONEY MARKET
    THREE RIVERS
    1.30%
    -
    $50,000
    N.A.
    Credit Union
    1.59x (National Avg. - 0.82%)
    $65,000
     
    SCENARIO
    Year Rate
    1.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 650 455
    2 50,650 658 461
    3 51,308 667 467
    4 51,975 676 473
    5 52,651 684 479
    6 53,336 693 485
    7 54,029 702 492
    8 54,731 712 498
    9 55,443 721 505
    10 56,164 730 511
    11 56,894 740 518
    12 57,633 749 524
    13 58,383 759 531
    14 59,142 769 538
    15 59,910 779 545
    16 60,689 789 552
    17 61,478 799 559
    18 62,277 810 567
    19 63,087 820 574
    20 63,907 831 582
    TOTAL $14,738 $10,317

    All calculations are for demonstration purposes only.

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