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Comparison of Deposit Account from TRULIANT with 3.10% - August 2025


Long-Term Analysis of VALOR BANK with 2.70% APY and SULLIVAN BANK with 0.15% APY and TRULIANT with 2.45% APY and TRULIANT with 2.40% APY and TRULIANT with 2.90% APY and TRULIANT with 2.65% APY and TRULIANT with 2.76% APY and TRULIANT with 3.10% APY and TRULIANT with 3.19% APY and TRULIANT with 3.30% APY and TRULIANT with 3.35% 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
    VALOR BANK
    2.70%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    2.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,350 945
    2 51,350 1,386 971
    3 52,736 1,424 997
    4 54,160 1,462 1,024
    5 55,623 1,502 1,051
    6 57,124 1,542 1,080
    7 58,667 1,584 1,109
    8 60,251 1,627 1,139
    9 61,878 1,671 1,169
    10 63,548 1,716 1,201
    11 65,264 1,762 1,233
    12 67,026 1,810 1,267
    13 68,836 1,859 1,301
    14 70,695 1,909 1,336
    15 72,603 1,960 1,372
    16 74,564 2,013 1,409
    17 76,577 2,068 1,447
    18 78,644 2,123 1,486
    19 80,768 2,181 1,527
    20 82,948 2,240 1,568
    TOTAL $35,188 $24,632
  • 2
    LOCAL MONEY MARKET
    SULLIVAN BANK
    0.15%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $25,000
     
    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
  • 3
    LOCAL CD
    TRULIANT
    2.45%
    -
    $50,000
    3 Month
    Credit Union
    1.11x (National Avg. - 2.21%)
    $25,000
     
    SCENARIO
    Year Rate
    2.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,225 858
    2 51,225 1,255 879
    3 52,480 1,286 900
    4 53,766 1,317 922
    5 55,083 1,350 945
    6 56,433 1,383 968
    7 57,815 1,416 992
    8 59,232 1,451 1,016
    9 60,683 1,487 1,041
    10 62,170 1,523 1,066
    11 63,693 1,560 1,092
    12 65,253 1,599 1,119
    13 66,852 1,638 1,147
    14 68,490 1,678 1,175
    15 70,168 1,719 1,203
    16 71,887 1,761 1,233
    17 73,648 1,804 1,263
    18 75,452 1,849 1,294
    19 77,301 1,894 1,326
    20 79,195 1,940 1,358
    TOTAL $31,135 $21,795
  • 4
    LOCAL CD
    TRULIANT
    2.40%
    -
    $50,000
    3 Month
    Credit Union
    1.08x (National Avg. - 2.21%)
    $5,000
     
    SCENARIO
    Year Rate
    2.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,200 840
    2 51,200 1,229 860
    3 52,429 1,258 881
    4 53,687 1,288 902
    5 54,976 1,319 924
    6 56,295 1,351 946
    7 57,646 1,384 968
    8 59,030 1,417 992
    9 60,446 1,451 1,015
    10 61,897 1,486 1,040
    11 63,383 1,521 1,065
    12 64,904 1,558 1,090
    13 66,461 1,595 1,117
    14 68,056 1,633 1,143
    15 69,690 1,673 1,171
    16 71,362 1,713 1,199
    17 73,075 1,754 1,228
    18 74,829 1,796 1,257
    19 76,625 1,839 1,287
    20 78,464 1,883 1,318
    TOTAL $30,347 $21,243
  • 5
    LOCAL CD
    TRULIANT
    2.90%
    -
    $50,000
    6 Month
    Credit Union
    7.09x (National Avg. - 0.41%)
    $5,000
     
    SCENARIO
    Year Rate
    2.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,450 1,015
    2 51,450 1,492 1,044
    3 52,942 1,535 1,075
    4 54,477 1,580 1,106
    5 56,057 1,626 1,138
    6 57,683 1,673 1,171
    7 59,356 1,721 1,205
    8 61,077 1,771 1,240
    9 62,848 1,823 1,276
    10 64,671 1,875 1,313
    11 66,546 1,930 1,351
    12 68,476 1,986 1,390
    13 70,462 2,043 1,430
    14 72,505 2,103 1,472
    15 74,608 2,164 1,515
    16 76,772 2,226 1,558
    17 78,998 2,291 1,604
    18 81,289 2,357 1,650
    19 83,646 2,426 1,698
    20 86,072 2,496 1,747
    TOTAL $38,568 $26,998
  • 6
    LOCAL CD
    TRULIANT
    2.65%
    -
    $50,000
    14 Month
    Credit Union
    N.A.
    $25,000
     
    SCENARIO
    Year Rate
    2.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,325 928
    2 51,325 1,360 952
    3 52,685 1,396 977
    4 54,081 1,433 1,003
    5 55,514 1,471 1,030
    6 56,986 1,510 1,057
    7 58,496 1,550 1,085
    8 60,046 1,591 1,114
    9 61,637 1,633 1,143
    10 63,270 1,677 1,174
    11 64,947 1,721 1,205
    12 66,668 1,767 1,237
    13 68,435 1,814 1,269
    14 70,248 1,862 1,303
    15 72,110 1,911 1,338
    16 74,021 1,962 1,373
    17 75,982 2,014 1,409
    18 77,996 2,067 1,447
    19 80,063 2,122 1,485
    20 82,185 2,178 1,525
    TOTAL $34,362 $24,054
  • 7
    LOCAL CD
    TRULIANT
    2.76%
    -
    $50,000
    14 Month
    Credit Union
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    2.76%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,380 966
    2 51,380 1,418 993
    3 52,798 1,457 1,020
    4 54,255 1,497 1,048
    5 55,753 1,539 1,077
    6 57,292 1,581 1,107
    7 58,873 1,625 1,137
    8 60,498 1,670 1,169
    9 62,167 1,716 1,201
    10 63,883 1,763 1,234
    11 65,646 1,812 1,268
    12 67,458 1,862 1,303
    13 69,320 1,913 1,339
    14 71,233 1,966 1,376
    15 73,199 2,020 1,414
    16 75,220 2,076 1,453
    17 77,296 2,133 1,493
    18 79,429 2,192 1,535
    19 81,621 2,253 1,577
    20 83,874 2,315 1,620
    TOTAL $36,189 $25,332
  • 8
    LOCAL CD
    TRULIANT
    3.10%
    -
    $50,000
    18 Month
    Credit Union
    5.34x (National Avg. - 0.58%)
    $5,000
     
    SCENARIO
    Year Rate
    3.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,550 1,085
    2 51,550 1,598 1,119
    3 53,148 1,648 1,153
    4 54,796 1,699 1,189
    5 56,494 1,751 1,226
    6 58,246 1,806 1,264
    7 60,051 1,862 1,303
    8 61,913 1,919 1,344
    9 63,832 1,979 1,385
    10 65,811 2,040 1,428
    11 67,851 2,103 1,472
    12 69,954 2,169 1,518
    13 72,123 2,236 1,565
    14 74,359 2,305 1,614
    15 76,664 2,377 1,664
    16 79,041 2,450 1,715
    17 81,491 2,526 1,768
    18 84,017 2,605 1,823
    19 86,622 2,685 1,880
    20 89,307 2,769 1,938
    TOTAL $42,075 $29,453
  • 9
    LOCAL CD
    TRULIANT
    3.19%
    -
    $50,000
    48 Month
    Credit Union
    3.90x (National Avg. - 0.82%)
    $250
     
    SCENARIO
    Year Rate
    3.19%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,595 1,117
    2 51,595 1,646 1,152
    3 53,241 1,698 1,189
    4 54,939 1,753 1,227
    5 56,692 1,808 1,266
    6 58,500 1,866 1,306
    7 60,366 1,926 1,348
    8 62,292 1,987 1,391
    9 64,279 2,051 1,435
    10 66,330 2,116 1,481
    11 68,446 2,183 1,528
    12 70,629 2,253 1,577
    13 72,882 2,325 1,627
    14 75,207 2,399 1,679
    15 77,606 2,476 1,733
    16 80,082 2,555 1,788
    17 82,636 2,636 1,845
    18 85,273 2,720 1,904
    19 87,993 2,807 1,965
    20 90,800 2,897 2,028
    TOTAL $43,696 $30,587
  • 10
    LOCAL CD
    TRULIANT
    3.30%
    -
    $50,000
    60 Month
    Credit Union
    3.59x (National Avg. - 0.92%)
    $5,000
     
    SCENARIO
    Year Rate
    3.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,650 1,155
    2 51,650 1,704 1,193
    3 53,354 1,761 1,232
    4 55,115 1,819 1,273
    5 56,934 1,879 1,315
    6 58,813 1,941 1,359
    7 60,754 2,005 1,403
    8 62,758 2,071 1,450
    9 64,829 2,139 1,498
    10 66,969 2,210 1,547
    11 69,179 2,283 1,598
    12 71,462 2,358 1,651
    13 73,820 2,436 1,705
    14 76,256 2,516 1,762
    15 78,772 2,599 1,820
    16 81,372 2,685 1,880
    17 84,057 2,774 1,942
    18 86,831 2,865 2,006
    19 89,697 2,960 2,072
    20 92,657 3,058 2,140
    TOTAL $45,714 $32,000
  • 11
    LOCAL CD
    TRULIANT
    3.35%
    -
    $50,000
    60 Month
    Credit Union
    3.64x (National Avg. - 0.92%)
    $25,000
     
    SCENARIO
    Year Rate
    3.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,675 1,173
    2 51,675 1,731 1,212
    3 53,406 1,789 1,252
    4 55,195 1,849 1,294
    5 57,044 1,911 1,338
    6 58,955 1,975 1,383
    7 60,930 2,041 1,429
    8 62,971 2,110 1,477
    9 65,081 2,180 1,526
    10 67,261 2,253 1,577
    11 69,514 2,329 1,630
    12 71,843 2,407 1,685
    13 74,250 2,487 1,741
    14 76,737 2,571 1,799
    15 79,308 2,657 1,860
    16 81,965 2,746 1,922
    17 84,711 2,838 1,986
    18 87,548 2,933 2,053
    19 90,481 3,031 2,122
    20 93,512 3,133 2,193
    TOTAL $46,645 $32,652

    All calculations are for demonstration purposes only.

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