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Comparison of Deposit Account from Union Bank with 0.35% - May 2025


Long-Term Analysis of First State Bank with 0.75% APY and FMS Bank with 0.85% APY and QUORUM with 2.60% APY and ADM with 0.25% APY and Union Bank with 0.35% APY and TRAILNORTH with 0.05% APY and WRIGHT-PATT CREDIT UNION, INC. with 7.00% APY and MARION AND POLK SCHOOLS with 0.05% APY and G.H.S. with 0.10% APY and COMMONWEALTH ONE with 4.80% 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
    First State Bank
    0.75%
    -
    $50,000
    48 Month
    Bank
    0.92x (National Avg. - 0.82%)
    $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
    FMS Bank
    0.85%
    -
    $50,000
    48 Month
    Bank
    1.04x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 3
    LOCAL CD
    QUORUM
    2.60%
    -
    $50,000
    18 Month
    Credit Union
    4.48x (National Avg. - 0.58%)
    $1,000
     
    SCENARIO
    Year Rate
    2.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,300 910
    2 51,300 1,334 934
    3 52,634 1,368 958
    4 54,002 1,404 983
    5 55,406 1,441 1,008
    6 56,847 1,478 1,035
    7 58,325 1,516 1,062
    8 59,841 1,556 1,089
    9 61,397 1,596 1,117
    10 62,994 1,638 1,146
    11 64,631 1,680 1,176
    12 66,312 1,724 1,207
    13 68,036 1,769 1,238
    14 69,805 1,815 1,270
    15 71,620 1,862 1,303
    16 73,482 1,911 1,337
    17 75,392 1,960 1,372
    18 77,353 2,011 1,408
    19 79,364 2,063 1,444
    20 81,427 2,117 1,482
    TOTAL $33,544 $23,481
  • 4
    LOCAL SAVINGS
    ADM
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    1.12x (National Avg. - 0.22%)
    $2,500
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 5
    LOCAL CD
    Union Bank
    0.35%
    -
    $50,000
    18 Month
    Bank
    0.60x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 6
    LOCAL SAVINGS
    TRAILNORTH
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.22x (National Avg. - 0.22%)
    $2,500
     
    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
  • 7
    LOCAL SAVINGS
    WRIGHT-PATT CREDIT UNION, INC.
    7.00%
    -
    $50,000
    N.A.
    Credit Union
    31.39x (National Avg. - 0.22%)
    $1
     
    SCENARIO
    Year Rate
    7.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 3,500 2,450
    2 53,500 3,745 2,622
    3 57,245 4,007 2,805
    4 61,252 4,288 3,001
    5 65,540 4,588 3,211
    6 70,128 4,909 3,436
    7 75,037 5,253 3,677
    8 80,289 5,620 3,934
    9 85,909 6,014 4,210
    10 91,923 6,435 4,504
    11 98,358 6,885 4,820
    12 105,243 7,367 5,157
    13 112,610 7,883 5,518
    14 120,492 8,434 5,904
    15 128,927 9,025 6,317
    16 137,952 9,657 6,760
    17 147,608 10,333 7,233
    18 157,941 11,056 7,739
    19 168,997 11,830 8,281
    20 180,826 12,658 8,860
    TOTAL $143,484 $100,439
  • 8
    LOCAL MONEY MARKET
    MARION AND POLK SCHOOLS
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.22x (National Avg. - 0.22%)
    $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
  • 9
    LOCAL MONEY MARKET
    G.H.S.
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.45x (National Avg. - 0.22%)
    $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
  • 10
    LOCAL CD
    COMMONWEALTH ONE
    4.80%
    -
    $50,000
    12 Month
    Credit Union
    8.71x (National Avg. - 0.55%)
    $50,000
     
    SCENARIO
    Year Rate
    4.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,400 1,680
    2 52,400 2,515 1,761
    3 54,915 2,636 1,845
    4 57,551 2,762 1,934
    5 60,314 2,895 2,027
    6 63,209 3,034 2,124
    7 66,243 3,180 2,226
    8 69,422 3,332 2,333
    9 72,755 3,492 2,445
    10 76,247 3,660 2,562
    11 79,907 3,836 2,685
    12 83,742 4,020 2,814
    13 87,762 4,213 2,949
    14 91,974 4,415 3,090
    15 96,389 4,627 3,239
    16 101,016 4,849 3,394
    17 105,865 5,081 3,557
    18 110,946 5,325 3,728
    19 116,271 5,581 3,907
    20 121,852 5,849 4,094
    TOTAL $77,701 $54,391

    All calculations are for demonstration purposes only.

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