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Comparison of Deposit Account from WESTEX with 0.78% - June 2025


Long-Term Analysis of WESTEX with 0.78% APY and HEARTLAND with 0.80% 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
    WESTEX
    0.78%
    -
    $50,000
    12 Month
    Credit Union
    1.42x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.78%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 392 274
    2 50,392 395 276
    3 50,786 398 278
    4 51,184 401 281
    5 51,584 404 283
    6 51,988 407 285
    7 52,395 410 287
    8 52,806 413 289
    9 53,219 417 292
    10 53,636 420 294
    11 54,056 423 296
    12 54,479 427 299
    13 54,906 430 301
    14 55,336 433 303
    15 55,769 437 306
    16 56,206 440 308
    17 56,646 444 310
    18 57,089 447 313
    19 57,536 451 315
    20 57,987 454 318
    TOTAL $8,441 $5,909
  • 2
    LOCAL CD
    HEARTLAND
    0.80%
    -
    $50,000
    48 Month
    Credit Union
    0.98x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047

    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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    Last Update on June 15, 2025

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