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Comparison of Deposit Account from TRANSPORTATION with 4.04% - May 2025


Long-Term Analysis of First Federal Bank of Ohio with 0.25% APY and TRANSPORTATION with 4.04% APY and FORT FINANCIAL with 0.10% APY and CROSSROADS FINANCIAL with 0.02% APY and HERITAGE with 2.00% APY and Rosedale Federal Savings and Loan Association with 0.85% APY and MAINE STATE with 0.15% APY and RIVERLAND with 1.20% APY and VERITAS with 0.90% APY and The Liberty National Bank in Paris with 0.65% APY and Yakima Federal Savings and Loan Association with 0.05% APY and Bank of Star Valley with 2.53% 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 Federal Bank of Ohio
    0.25%
    -
    $50,000
    24 Month
    Bank
    0.38x (National Avg. - 0.66%)
    $5,000
     
    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 CD
    TRANSPORTATION
    4.04%
    -
    $50,000
    6 Month
    Credit Union
    9.93x (National Avg. - 0.41%)
    $250
     
    SCENARIO
    Year Rate
    4.04%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,020 1,414
    2 52,020 2,102 1,471
    3 54,122 2,187 1,531
    4 56,308 2,275 1,592
    5 58,583 2,367 1,657
    6 60,950 2,462 1,724
    7 63,412 2,562 1,793
    8 65,974 2,665 1,866
    9 68,639 2,773 1,941
    10 71,412 2,885 2,020
    11 74,297 3,002 2,101
    12 77,299 3,123 2,186
    13 80,422 3,249 2,274
    14 83,671 3,380 2,366
    15 87,051 3,517 2,462
    16 90,568 3,659 2,561
    17 94,227 3,807 2,665
    18 98,034 3,961 2,772
    19 101,994 4,121 2,884
    20 106,115 4,287 3,001
    TOTAL $60,402 $42,281
  • 3
    LOCAL CD
    FORT FINANCIAL
    0.10%
    -
    $50,000
    6 Month
    Credit Union
    0.25x (National Avg. - 0.41%)
    $100,000
     
    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
  • 4
    LOCAL MONEY MARKET
    CROSSROADS FINANCIAL
    0.02%
    -
    $50,000
    N.A.
    Credit Union
    0.05x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 10 7
    2 50,010 10 7
    3 50,020 10 7
    4 50,030 10 7
    5 50,040 10 7
    6 50,050 10 7
    7 50,060 10 7
    8 50,070 10 7
    9 50,080 10 7
    10 50,090 10 7
    11 50,100 10 7
    12 50,110 10 7
    13 50,120 10 7
    14 50,130 10 7
    15 50,140 10 7
    16 50,150 10 7
    17 50,160 10 7
    18 50,170 10 7
    19 50,180 10 7
    20 50,190 10 7
    TOTAL $200 $140
  • 5
    LOCAL CD
    HERITAGE
    2.00%
    -
    $50,000
    12 Month
    Credit Union
    3.63x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    2.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,000 700
    2 51,000 1,020 714
    3 52,020 1,040 728
    4 53,060 1,061 743
    5 54,122 1,082 758
    6 55,204 1,104 773
    7 56,308 1,126 788
    8 57,434 1,149 804
    9 58,583 1,172 820
    10 59,755 1,195 837
    11 60,950 1,219 853
    12 62,169 1,243 870
    13 63,412 1,268 888
    14 64,680 1,294 906
    15 65,974 1,319 924
    16 67,293 1,346 942
    17 68,639 1,373 961
    18 70,012 1,400 980
    19 71,412 1,428 1,000
    20 72,841 1,457 1,020
    TOTAL $24,297 $17,008
  • 6
    LOCAL CD
    Rosedale Federal Savings and Loan Association
    0.85%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    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
  • 7
    LOCAL MONEY MARKET
    MAINE STATE
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 8
    LOCAL CD
    RIVERLAND
    1.20%
    -
    $50,000
    60 Month
    Credit Union
    1.31x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 600 420
    2 50,600 607 425
    3 51,207 614 430
    4 51,822 622 435
    5 52,444 629 441
    6 53,073 637 446
    7 53,710 645 451
    8 54,354 652 457
    9 55,007 660 462
    10 55,667 668 468
    11 56,335 676 473
    12 57,011 684 479
    13 57,695 692 485
    14 58,387 701 490
    15 59,088 709 496
    16 59,797 718 502
    17 60,514 726 508
    18 61,240 735 514
    19 61,975 744 521
    20 62,719 753 527
    TOTAL $13,472 $9,430
  • 9
    LOCAL CD
    VERITAS
    0.90%
    -
    $50,000
    60 Month
    Credit Union
    0.98x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 10
    LOCAL CD
    The Liberty National Bank in Paris
    0.65%
    -
    $50,000
    18 Month
    Bank
    1.12x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 11
    LOCAL MONEY MARKET
    Yakima Federal Savings and Loan Association
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.09x (National Avg. - 0.58%)
    $10,000
     
    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
  • 12
    LOCAL MONEY MARKET
    Bank of Star Valley
    2.53%
    -
    $50,000
    N.A.
    Bank
    4.36x (National Avg. - 0.58%)
    $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

    All calculations are for demonstration purposes only.

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