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Comparison of Deposit Account from Unity Bank with 0.59% - August 2025


Long-Term Analysis of Unity Bank with 0.59% APY and Unity Bank with 1.70% 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
    Unity Bank
    0.59%
    -
    $50,000
    6 Month
    Bank
    1.44x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    0.59%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 295 207
    2 50,295 297 208
    3 50,592 298 209
    4 50,890 300 210
    5 51,190 302 211
    6 51,493 304 213
    7 51,796 306 214
    8 52,102 307 215
    9 52,409 309 216
    10 52,719 311 218
    11 53,030 313 219
    12 53,342 315 220
    13 53,657 317 222
    14 53,974 318 223
    15 54,292 320 224
    16 54,613 322 226
    17 54,935 324 227
    18 55,259 326 228
    19 55,585 328 230
    20 55,913 330 231
    TOTAL $6,243 $4,370
  • 2
    LOCAL CD
    Unity Bank
    1.70%
    -
    $50,000
    60 Month
    Bank
    1.85x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 850 595
    2 50,850 864 605
    3 51,714 879 615
    4 52,594 894 626
    5 53,488 909 637
    6 54,397 925 647
    7 55,322 940 658
    8 56,262 956 670
    9 57,219 973 681
    10 58,191 989 692
    11 59,181 1,006 704
    12 60,187 1,023 716
    13 61,210 1,041 728
    14 62,250 1,058 741
    15 63,309 1,076 753
    16 64,385 1,095 766
    17 65,479 1,113 779
    18 66,593 1,132 792
    19 67,725 1,151 806
    20 68,876 1,171 820
    TOTAL $20,047 $14,033

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

    Last change: ↑0.20% on January 18.

    Last change: ↑0.10% on July 13.

    Last change: ↑0.40% on June 24.
    Early withdrawal penalty is 3 Months' Interest.

    Last change: ↓0.05% on August 2.
    7-Month CD.

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