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Comparison of Deposit Account from Triad Bank with 0.70% - May 2025


Long-Term Analysis of PLATINUM with 0.30% APY and Kaw Valley Bank with 1.11% APY and Triad Bank with 0.70% APY and SAN ANGELO with 0.75% APY and USAA Federal Savings Bank with 3.20% 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
    PLATINUM
    0.30%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 2
    LOCAL CD
    Kaw Valley Bank
    1.11%
    -
    $50,000
    36 Month
    Bank
    1.47x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.11%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 555 389
    2 50,555 561 393
    3 51,116 567 397
    4 51,684 574 402
    5 52,257 580 406
    6 52,837 586 411
    7 53,424 593 415
    8 54,017 600 420
    9 54,616 606 424
    10 55,223 613 429
    11 55,836 620 434
    12 56,455 627 439
    13 57,082 634 444
    14 57,716 641 448
    15 58,356 648 453
    16 59,004 655 458
    17 59,659 662 464
    18 60,321 670 469
    19 60,991 677 474
    20 61,668 685 479
    TOTAL $12,352 $8,647
  • 3
    LOCAL CD
    Triad Bank
    0.70%
    -
    $50,000
    24 Month
    Bank
    1.06x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 4
    LOCAL CD
    SAN ANGELO
    0.75%
    -
    $50,000
    18 Month
    Credit Union
    1.30x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 376 263
    2 50,376 379 265
    3 50,755 382 267
    4 51,137 385 269
    5 51,521 387 271
    6 51,908 390 273
    7 52,299 393 275
    8 52,692 396 277
    9 53,088 399 279
    10 53,488 402 282
    11 53,890 405 284
    12 54,295 408 286
    13 54,703 411 288
    14 55,115 414 290
    15 55,529 418 292
    16 55,947 421 295
    17 56,368 424 297
    18 56,791 427 299
    19 57,218 430 301
    20 57,649 434 303
    TOTAL $8,082 $5,658
  • 5
    ONLINE CD
    USAA Federal Savings Bank
    3.20%
    -
    $50,000
    9 Month
    Online Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    3.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,600 1,120
    2 51,600 1,651 1,156
    3 53,251 1,704 1,193
    4 54,955 1,759 1,231
    5 56,714 1,815 1,270
    6 58,529 1,873 1,311
    7 60,402 1,933 1,353
    8 62,334 1,995 1,396
    9 64,329 2,059 1,441
    10 66,388 2,124 1,487
    11 68,512 2,192 1,535
    12 70,704 2,263 1,584
    13 72,967 2,335 1,634
    14 75,302 2,410 1,687
    15 77,712 2,487 1,741
    16 80,198 2,566 1,796
    17 82,765 2,648 1,854
    18 85,413 2,733 1,913
    19 88,146 2,821 1,974
    20 90,967 2,911 2,038
    TOTAL $43,878 $30,715

    All calculations are for demonstration purposes only.

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