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Comparison of Deposit Account from U. S. EMPLOYEES O. C. with 3.00% - December 2025


Long-Term Analysis of U. S. EMPLOYEES O. C. with 3.00% APY and GAS AND ELECTRIC with 0.40% APY and The Citizens State Bank with 0.83% APY and SAFEAMERICA with 3.00% 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. EMPLOYEES O. C.
    3.00%
    -
    $50,000
    36 Month
    Credit Union
    3.98x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 2
    LOCAL MONEY MARKET
    GAS AND ELECTRIC
    0.40%
    -
    $50,000
    N.A.
    Credit Union
    0.53x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 3
    LOCAL CD
    The Citizens State Bank
    0.83%
    -
    $50,000
    24 Month
    Bank
    1.26x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.83%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 415 291
    2 50,415 418 293
    3 50,833 422 295
    4 51,255 425 298
    5 51,681 429 300
    6 52,110 433 303
    7 52,542 436 305
    8 52,978 440 308
    9 53,418 443 310
    10 53,861 447 313
    11 54,308 451 316
    12 54,759 455 318
    13 55,214 458 321
    14 55,672 462 323
    15 56,134 466 326
    16 56,600 470 329
    17 57,070 474 332
    18 57,543 478 334
    19 58,021 482 337
    20 58,503 486 340
    TOTAL $8,988 $6,292
  • 4
    LOCAL CD
    SAFEAMERICA
    3.00%
    -
    $50,000
    60 Month
    Credit Union
    3.25x (National Avg. - 0.92%)
    $1,000
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214

    All calculations are for demonstration purposes only.

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