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Comparison of Deposit Account from United Bank of Michigan with 0.25% - August 2025


Long-Term Analysis of Bank Hometown with 3.95% APY and Capital City Bank with 0.10% APY and Capital City Bank with 0.25% APY and Capital City Bank with 0.01% APY and Capital City Bank with 0.05% APY and United Bank of Michigan with 0.25% APY and United Business Bank with 0.55% APY and First Financial Bank, National Association with 2.32% 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
    Bank Hometown
    3.95%
    -
    $50,000
    12 Month
    Bank
    7.16x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    3.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,975 1,383
    2 51,975 2,053 1,437
    3 54,028 2,134 1,494
    4 56,162 2,218 1,553
    5 58,381 2,306 1,614
    6 60,687 2,397 1,678
    7 63,084 2,492 1,744
    8 65,575 2,590 1,813
    9 68,166 2,693 1,885
    10 70,858 2,799 1,959
    11 73,657 2,909 2,037
    12 76,567 3,024 2,117
    13 79,591 3,144 2,201
    14 82,735 3,268 2,288
    15 86,003 3,397 2,378
    16 89,400 3,531 2,472
    17 92,931 3,671 2,570
    18 96,602 3,816 2,671
    19 100,418 3,967 2,777
    20 104,384 4,123 2,886
    TOTAL $58,508 $40,955
  • 2
    LOCAL CD
    Capital City Bank
    0.10%
    -
    $50,000
    18 Month
    Bank
    0.17x (National Avg. - 0.58%)
    $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
    Capital City Bank
    0.25%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $100,000
     
    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
  • 4
    LOCAL MONEY MARKET
    Capital City Bank
    0.01%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 5
    LOCAL SAVINGS
    Capital City Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.22x (National Avg. - 0.23%)
    $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
  • 6
    LOCAL CD
    United Bank of Michigan
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.61x (National Avg. - 0.41%)
    $10,000
     
    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
  • 7
    LOCAL CD
    United Business Bank
    0.55%
    -
    $50,000
    36 Month
    Bank
    0.73x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 8
    LOCAL CD
    First Financial Bank, National Association
    2.32%
    -
    $50,000
    3 Month
    Bank
    1.05x (National Avg. - 2.21%)
    $500
     
    SCENARIO
    Year Rate
    2.32%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,160 812
    2 51,160 1,187 831
    3 52,347 1,214 850
    4 53,561 1,243 870
    5 54,804 1,271 890
    6 56,075 1,301 911
    7 57,376 1,331 932
    8 58,708 1,362 953
    9 60,070 1,394 976
    10 61,463 1,426 998
    11 62,889 1,459 1,021
    12 64,348 1,493 1,045
    13 65,841 1,528 1,069
    14 67,369 1,563 1,094
    15 68,931 1,599 1,119
    16 70,531 1,636 1,145
    17 72,167 1,674 1,172
    18 73,841 1,713 1,199
    19 75,554 1,753 1,227
    20 77,307 1,794 1,255
    TOTAL $29,101 $20,371

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

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    Early withdrawal penalty is 3 Months' Interest.

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