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Comparison of Deposit Account from UNITED METHODIST with 0.35% - May 2025


Long-Term Analysis of First National Bank, Cortez with 0.83% APY and First Federal Savings and Loan Association of Valdosta with 0.70% APY and Altamaha Bank and Trust Company with 0.70% APY and RELIANCE with 0.15% APY and UNITED METHODIST with 0.35% APY and EMPIRE ONE with 0.20% APY and CORNERSTONE COMMUNITY FINANCIAL with 0.15% APY and Bank of the West with 0.55% 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 National Bank, Cortez
    0.83%
    -
    $50,000
    12 Month
    Bank
    1.51x (National Avg. - 0.55%)
    $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
  • 2
    LOCAL CD
    First Federal Savings and Loan Association of Valdosta
    0.70%
    -
    $50,000
    24 Month
    Bank
    1.06x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 3
    LOCAL CD
    Altamaha Bank and Trust Company
    0.70%
    -
    $50,000
    60 Month
    Bank
    0.76x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 4
    LOCAL MONEY MARKET
    RELIANCE
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.16x (National Avg. - 0.92%)
    $10,000
     
    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
  • 5
    LOCAL MONEY MARKET
    UNITED METHODIST
    0.35%
    -
    $50,000
    N.A.
    Credit Union
    0.38x (National Avg. - 0.92%)
    $10,000
     
    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 MONEY MARKET
    EMPIRE ONE
    0.20%
    -
    $50,000
    N.A.
    Credit Union
    0.22x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 7
    LOCAL MONEY MARKET
    CORNERSTONE COMMUNITY FINANCIAL
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.16x (National Avg. - 0.92%)
    $10,000
     
    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
  • 8
    LOCAL CD
    Bank of the West
    0.55%
    -
    $50,000
    24 Month
    Bank
    0.83x (National Avg. - 0.66%)
    $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

    All calculations are for demonstration purposes only.

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