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Comparison of Deposit Account from WELLSPRING with 0.82% - June 2025


Long-Term Analysis of MUTUAL with 0.50% APY and WELLSPRING with 0.82% 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
    MUTUAL
    0.50%
    -
    $50,000
    24 Month
    Credit Union
    0.76x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 2
    LOCAL CD
    WELLSPRING
    0.82%
    -
    $50,000
    36 Month
    Credit Union
    1.09x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.82%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 412 288
    2 50,412 415 290
    3 50,826 418 293
    4 51,245 422 295
    5 51,666 425 298
    6 52,092 429 300
    7 52,520 432 303
    8 52,953 436 305
    9 53,388 439 308
    10 53,828 443 310
    11 54,271 447 313
    12 54,717 450 315
    13 55,168 454 318
    14 55,622 458 320
    15 56,080 462 323
    16 56,541 465 326
    17 57,006 469 328
    18 57,476 473 331
    19 57,949 477 334
    20 58,426 481 337
    TOTAL $8,906 $6,234

    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: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

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