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Comparison of Deposit Account from WESTERLY COMMUNITY with 0.15% - June 2025

Long-Term Analysis of ENFIELD COMMUNITY with 0.45% APY and SANDIA LABORATORY with 1.25% APY and WESTERLY COMMUNITY with 0.15% APY and SPECTRUM with 3.85% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

ENFIELD COMMUNITY

0.45%

$50,000

18 Month

Credit Union

0.78x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	226	158
2	50,226	227	159
3	50,452	228	159
4	50,680	229	160
5	50,908	230	161
6	51,138	231	161
7	51,368	232	162
8	51,600	233	163
9	51,833	234	164
10	52,067	235	164
11	52,301	236	165
12	52,537	237	166
13	52,774	238	167
14	53,012	239	167
15	53,251	240	168
16	53,491	241	169
17	53,733	242	170
18	53,975	243	170
19	54,218	245	171
20	54,463	246	172
	TOTAL	$4,709	$3,296

LOCAL CD

SANDIA LABORATORY

1.25%

$50,000

60 Month

Credit Union

1.36x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL CD

WESTERLY COMMUNITY

0.15%

$50,000

6 Month

Credit Union

0.37x (National Avg. - 0.41%)

$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

LOCAL CD

SPECTRUM

3.85%

$50,000

60 Month

Credit Union

4.18x (National Avg. - 0.92%)

$250,000

SCENARIO

Year	Rate 3.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,925	1,348
2	51,925	1,999	1,399
3	53,924	2,076	1,453
4	56,000	2,156	1,509
5	58,156	2,239	1,567
6	60,395	2,325	1,628
7	62,720	2,415	1,690
8	65,135	2,508	1,755
9	67,643	2,604	1,823
10	70,247	2,705	1,893
11	72,952	2,809	1,966
12	75,760	2,917	2,042
13	78,677	3,029	2,120
14	81,706	3,146	2,202
15	84,852	3,267	2,287
16	88,119	3,393	2,375
17	91,511	3,523	2,466
18	95,034	3,659	2,561
19	98,693	3,800	2,660
20	102,493	3,946	2,762
	TOTAL	$56,439	$39,507

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.
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.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from WESTERLY COMMUNITY with 0.15% - June 2025

Long-Term Analysis of ENFIELD COMMUNITY with 0.45% APY and SANDIA LABORATORY with 1.25% APY and WESTERLY COMMUNITY with 0.15% APY and SPECTRUM with 3.85% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from WESTERLY COMMUNITY with 0.15% - June 2025