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Comparison of Deposit Account from TINKER with 3.16% - May 2025


Long-Term Analysis of FIRST SOURCE with 4.00% APY and COMMUNITY FIRST with 3.85% APY and TINKER with 3.16% 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
    FIRST SOURCE
    4.00%
    -
    $50,000
    12 Month
    Credit Union
    7.26x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 2
    LOCAL CD
    COMMUNITY FIRST
    3.85%
    -
    $50,000
    12 Month
    Credit Union
    6.99x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    3.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,925 1,348
    2 51,925 1,999 1,399
    3 53,924 2,076 1,453
    4 56,000 2,156 1,509
    5 58,156 2,239 1,567
    6 60,395 2,325 1,628
    7 62,720 2,415 1,690
    8 65,135 2,508 1,755
    9 67,643 2,604 1,823
    10 70,247 2,705 1,893
    11 72,952 2,809 1,966
    12 75,760 2,917 2,042
    13 78,677 3,029 2,120
    14 81,706 3,146 2,202
    15 84,852 3,267 2,287
    16 88,119 3,393 2,375
    17 91,511 3,523 2,466
    18 95,034 3,659 2,561
    19 98,693 3,800 2,660
    20 102,493 3,946 2,762
    TOTAL $56,439 $39,507
  • 3
    LOCAL CD
    TINKER
    3.16%
    -
    $50,000
    3 Month
    Credit Union
    1.44x (National Avg. - 2.19%)
    $99,000
     
    SCENARIO
    Year Rate
    3.16%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,580 1,106
    2 51,580 1,630 1,141
    3 53,210 1,681 1,177
    4 54,891 1,735 1,214
    5 56,626 1,789 1,253
    6 58,415 1,846 1,292
    7 60,261 1,904 1,333
    8 62,165 1,964 1,375
    9 64,130 2,027 1,419
    10 66,156 2,091 1,463
    11 68,247 2,157 1,510
    12 70,404 2,225 1,557
    13 72,628 2,295 1,607
    14 74,923 2,368 1,657
    15 77,291 2,442 1,710
    16 79,733 2,520 1,764
    17 82,253 2,599 1,819
    18 84,852 2,681 1,877
    19 87,533 2,766 1,936
    20 90,299 2,853 1,997
    TOTAL $43,153 $30,207

    All calculations are for demonstration purposes only.

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