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Comparison of Deposit Account from WEST MICHIGAN with 1.47% - December 2025


Long-Term Analysis of Hawaii National Bank with 0.15% APY and WEST MICHIGAN with 1.47% APY and CONSUMERS with 0.10% 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
    Hawaii National Bank
    0.15%
    -
    $50,000
    24 Month
    Bank
    0.23x (National Avg. - 0.66%)
    $100,000
     
    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
  • 2
    LOCAL CD
    WEST MICHIGAN
    1.47%
    -
    $50,000
    48 Month
    Credit Union
    1.79x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.47%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 735 515
    2 50,735 746 522
    3 51,481 757 530
    4 52,238 768 538
    5 53,005 779 545
    6 53,785 791 553
    7 54,575 802 562
    8 55,378 814 570
    9 56,192 826 578
    10 57,018 838 587
    11 57,856 850 595
    12 58,706 863 604
    13 59,569 876 613
    14 60,445 889 622
    15 61,333 902 631
    16 62,235 915 640
    17 63,150 928 650
    18 64,078 942 659
    19 65,020 956 669
    20 65,976 970 679
    TOTAL $16,946 $11,862
  • 3
    LOCAL CD
    CONSUMERS
    0.10%
    -
    $50,000
    6 Month
    Credit Union
    0.25x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.

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