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Comparison of Deposit Account from Waypoint Bank with 0.03% - June 2025

Long-Term Analysis of IncredibleBank with 3.55% APY and Transportation Alliance Bank, Inc. d/b/a TAB Bank with 3.86% APY and Waypoint Bank with 0.03% APY and 5 STAR COMMUNITY with 0.20% 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

IncredibleBank

3.55%

$50,000

12 Month

Online Bank

6.43x (National Avg. - 0.55%)

$1,000

SCENARIO

Year	Rate 3.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,775	1,243
2	51,775	1,838	1,287
3	53,613	1,903	1,332
4	55,516	1,971	1,380
5	57,487	2,041	1,429
6	59,528	2,113	1,479
7	61,641	2,188	1,532
8	63,829	2,266	1,586
9	66,095	2,346	1,642
10	68,442	2,430	1,701
11	70,871	2,516	1,761
12	73,387	2,605	1,824
13	75,993	2,698	1,888
14	78,690	2,794	1,955
15	81,484	2,893	2,025
16	84,377	2,995	2,097
17	87,372	3,102	2,171
18	90,474	3,212	2,248
19	93,685	3,326	2,328
20	97,011	3,444	2,411
	TOTAL	$50,455	$35,319

ONLINE CD

Transportation Alliance Bank, Inc. d/b/a TAB Bank

3.86%

$50,000

48 Month

Bank

4.72x (National Avg. - 0.82%)

$1,000

SCENARIO

Year	Rate 3.86%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,930	1,351
2	51,930	2,004	1,403
3	53,934	2,082	1,457
4	56,016	2,162	1,514
5	58,179	2,246	1,572
6	60,424	2,332	1,633
7	62,757	2,422	1,696
8	65,179	2,516	1,761
9	67,695	2,613	1,829
10	70,308	2,714	1,900
11	73,022	2,819	1,973
12	75,841	2,927	2,049
13	78,768	3,040	2,128
14	81,808	3,158	2,210
15	84,966	3,280	2,296
16	88,246	3,406	2,384
17	91,652	3,538	2,476
18	95,190	3,674	2,572
19	98,864	3,816	2,671
20	102,681	3,963	2,774
	TOTAL	$56,644	$39,651

LOCAL SAVINGS

Waypoint Bank

0.03%

$50,000

N.A.

Bank

0.13x (National Avg. - 0.23%)

$2,500

SCENARIO

Year	Rate 0.03%	Annual Interest	Annual Interest (After Tax)
1	50,000	15	11
2	50,015	15	11
3	50,030	15	11
4	50,045	15	11
5	50,060	15	11
6	50,075	15	11
7	50,090	15	11
8	50,105	15	11
9	50,120	15	11
10	50,135	15	11
11	50,150	15	11
12	50,165	15	11
13	50,180	15	11
14	50,195	15	11
15	50,210	15	11
16	50,225	15	11
17	50,241	15	11
18	50,256	15	11
19	50,271	15	11
20	50,286	15	11
	TOTAL	$301	$211

LOCAL CD

5 STAR COMMUNITY

0.20%

$50,000

12 Month

Credit Union

0.36x (National Avg. - 0.55%)

$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

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.
Rising Bank, a division of Midwest BankCentre	4.51%	$1,000	Learn More
Last change: ↑0.06% on June 24.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.

Compare Savings vs. CDs Comparison of Deposit Account from Waypoint Bank with 0.03% - June 2025

Long-Term Analysis of IncredibleBank with 3.55% APY and Transportation Alliance Bank, Inc. d/b/a TAB Bank with 3.86% APY and Waypoint Bank with 0.03% APY and 5 STAR COMMUNITY with 0.20% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Waypoint Bank with 0.03% - June 2025