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Comparison of Deposit Account from VALOR BANK with 4.00% - May 2025

Long-Term Analysis of TotalDirect, a division of City National Bank of Florida with 4.00% APY and Pinnacle Bank with 0.13% APY and Adirondack Bank with 3.20% APY and VALOR BANK with 4.00% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

ONLINE CD

TotalDirect, a division of City National Bank of Florida

4.00%

$50,000

24 Month

Online Bank

6.07x (National Avg. - 0.66%)

$25,000

SCENARIO

Year	Rate 4.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,000	1,400
2	52,000	2,080	1,456
3	54,080	2,163	1,514
4	56,243	2,250	1,575
5	58,493	2,340	1,638
6	60,833	2,433	1,703
7	63,266	2,531	1,771
8	65,797	2,632	1,842
9	68,428	2,737	1,916
10	71,166	2,847	1,993
11	74,012	2,960	2,072
12	76,973	3,079	2,155
13	80,052	3,202	2,241
14	83,254	3,330	2,331
15	86,584	3,463	2,424
16	90,047	3,602	2,521
17	93,649	3,746	2,622
18	97,395	3,896	2,727
19	101,291	4,052	2,836
20	105,342	4,214	2,950
	TOTAL	$59,556	$41,689

LOCAL CD

Pinnacle Bank

0.13%

$50,000

6 Month

Bank

0.31x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.13%	Annual Interest	Annual Interest (After Tax)
1	50,000	63	44
2	50,063	63	44
3	50,125	63	44
4	50,188	63	44
5	50,250	63	44
6	50,313	63	44
7	50,376	63	44
8	50,439	63	44
9	50,502	63	44
10	50,565	63	44
11	50,629	63	44
12	50,692	63	44
13	50,755	63	44
14	50,819	64	44
15	50,882	64	45
16	50,946	64	45
17	51,009	64	45
18	51,073	64	45
19	51,137	64	45
20	51,201	64	45
	TOTAL	$1,265	$885

LOCAL CD

Adirondack Bank

3.20%

$50,000

6 Month

Bank

7.86x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 3.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,600	1,120
2	51,600	1,651	1,156
3	53,251	1,704	1,193
4	54,955	1,759	1,231
5	56,714	1,815	1,270
6	58,529	1,873	1,311
7	60,402	1,933	1,353
8	62,334	1,995	1,396
9	64,329	2,059	1,441
10	66,388	2,124	1,487
11	68,512	2,192	1,535
12	70,704	2,263	1,584
13	72,967	2,335	1,634
14	75,302	2,410	1,687
15	77,712	2,487	1,741
16	80,198	2,566	1,796
17	82,765	2,648	1,854
18	85,413	2,733	1,913
19	88,146	2,821	1,974
20	90,967	2,911	2,038
	TOTAL	$43,878	$30,715

LOCAL CD

VALOR BANK

4.00%

$50,000

18 Month

Bank

6.90x (National Avg. - 0.58%)

$1,000

SCENARIO

Year	Rate 4.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,000	1,400
2	52,000	2,080	1,456
3	54,080	2,163	1,514
4	56,243	2,250	1,575
5	58,493	2,340	1,638
6	60,833	2,433	1,703
7	63,266	2,531	1,771
8	65,797	2,632	1,842
9	68,428	2,737	1,916
10	71,166	2,847	1,993
11	74,012	2,960	2,072
12	76,973	3,079	2,155
13	80,052	3,202	2,241
14	83,254	3,330	2,331
15	86,584	3,463	2,424
16	90,047	3,602	2,521
17	93,649	3,746	2,622
18	97,395	3,896	2,727
19	101,291	4,052	2,836
20	105,342	4,214	2,950
	TOTAL	$59,556	$41,689

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
My e-Banc, a division of Bradesco BAC Florida Bank	4.50%	$50,000	Learn More
Last change: ↓0.05% on April 30. 6 Month Jumbo CD.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Goldman Sachs Bank	4.50%	$500	Learn More
Last change: ↓0.50% on February 25.

Compare Savings vs. CDs Comparison of Deposit Account from VALOR BANK with 4.00% - May 2025

Long-Term Analysis of TotalDirect, a division of City National Bank of Florida with 4.00% APY and Pinnacle Bank with 0.13% APY and Adirondack Bank with 3.20% APY and VALOR BANK with 4.00% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from VALOR BANK with 4.00% - May 2025