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Comparison of Deposit Account from U S #1364 with 0.75% - July 2025


Long-Term Analysis of U S #1364 with 0.75% APY and First Century Bank with 1.09% 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
    U S #1364
    0.75%
    -
    $50,000
    36 Month
    Credit Union
    0.99x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 2
    LOCAL CD
    First Century Bank
    1.09%
    -
    $50,000
    60 Month
    Bank
    1.18x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.09%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 545 382
    2 50,545 551 386
    3 51,096 557 390
    4 51,653 563 394
    5 52,216 569 398
    6 52,785 575 403
    7 53,360 582 407
    8 53,942 588 412
    9 54,530 594 416
    10 55,124 601 421
    11 55,725 607 425
    12 56,333 614 430
    13 56,947 621 435
    14 57,567 627 439
    15 58,195 634 444
    16 58,829 641 449
    17 59,470 648 454
    18 60,119 655 459
    19 60,774 662 464
    20 61,436 670 469
    TOTAL $12,106 $8,474

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.06% on June 24.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

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