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Comparison of Deposit Account from TROPICAL FINANCIAL with 4.05% - December 2025


Long-Term Analysis of TROPICAL FINANCIAL with 4.05% APY and Hawaii National Bank with 0.10% APY and United Cumberland Bank with 0.65% APY and MAINE FAMILY with 0.90% APY and MEMBERS COOPERATIVE with 1.20% APY and Jackson County Bank with 0.61% APY and Tri City National Bank with 0.05% APY and CENTRAL WISCONSIN with 0.45% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    TROPICAL FINANCIAL
    4.05%
    -
    $50,000
    6 Month
    Credit Union
    10.02x (National Avg. - 0.40%)
    $500
     
    SCENARIO
    Year Rate
    4.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,025 1,418
    2 52,025 2,107 1,475
    3 54,132 2,192 1,535
    4 56,324 2,281 1,597
    5 58,605 2,374 1,661
    6 60,979 2,470 1,729
    7 63,449 2,570 1,799
    8 66,018 2,674 1,872
    9 68,692 2,782 1,947
    10 71,474 2,895 2,026
    11 74,369 3,012 2,108
    12 77,381 3,134 2,194
    13 80,515 3,261 2,283
    14 83,776 3,393 2,375
    15 87,168 3,530 2,471
    16 90,699 3,673 2,571
    17 94,372 3,822 2,675
    18 98,194 3,977 2,784
    19 102,171 4,138 2,897
    20 106,309 4,306 3,014
    TOTAL $60,614 $42,430
  • 2
    LOCAL CD
    Hawaii National Bank
    0.10%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    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
  • 3
    LOCAL CD
    United Cumberland Bank
    0.65%
    -
    $50,000
    36 Month
    Bank
    0.86x (National Avg. - 0.75%)
    $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
  • 4
    LOCAL CD
    MAINE FAMILY
    0.90%
    -
    $50,000
    48 Month
    Credit Union
    1.10x (National Avg. - 0.82%)
    $10,000
     
    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
  • 5
    LOCAL CD
    MEMBERS COOPERATIVE
    1.20%
    -
    $50,000
    36 Month
    Credit Union
    1.59x (National Avg. - 0.75%)
    $100,000
     
    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
  • 6
    LOCAL CD
    Jackson County Bank
    0.61%
    -
    $50,000
    18 Month
    Bank
    1.06x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.61%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 305 214
    2 50,305 307 215
    3 50,612 309 216
    4 50,921 311 217
    5 51,231 313 219
    6 51,544 314 220
    7 51,858 316 221
    8 52,174 318 223
    9 52,493 320 224
    10 52,813 322 226
    11 53,135 324 227
    12 53,459 326 228
    13 53,785 328 230
    14 54,113 330 231
    15 54,444 332 232
    16 54,776 334 234
    17 55,110 336 235
    18 55,446 338 237
    19 55,784 340 238
    20 56,124 342 240
    TOTAL $6,467 $4,527
  • 7
    LOCAL MONEY MARKET
    Tri City National Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.09x (National Avg. - 0.58%)
    $25,000
     
    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
  • 8
    LOCAL CD
    CENTRAL WISCONSIN
    0.45%
    -
    $50,000
    6 Month
    Credit Union
    1.12x (National Avg. - 0.40%)
    $1,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 226 158
    2 50,226 227 159
    3 50,452 228 159
    4 50,680 229 160
    5 50,908 230 161
    6 51,138 231 161
    7 51,368 232 162
    8 51,600 233 163
    9 51,833 234 164
    10 52,067 235 164
    11 52,301 236 165
    12 52,537 237 166
    13 52,774 238 167
    14 53,012 239 167
    15 53,251 240 168
    16 53,491 241 169
    17 53,733 242 170
    18 53,975 243 170
    19 54,218 245 171
    20 54,463 246 172
    TOTAL $4,709 $3,296

    All calculations are for demonstration purposes only.

    Featured CD Rates

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