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


Long-Term Analysis of CONSUMERS with 0.35% APY and WESTEX with 0.78% APY and Central Bank and Trust with 1.40% 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
    CONSUMERS
    0.35%
    -
    $50,000
    12 Month
    Credit Union
    0.63x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 2
    LOCAL CD
    WESTEX
    0.78%
    -
    $50,000
    24 Month
    Credit Union
    1.18x (National Avg. - 0.66%)
    $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
  • 3
    LOCAL CD
    Central Bank and Trust
    1.40%
    -
    $50,000
    60 Month
    Bank
    1.52x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 700 490
    2 50,700 710 497
    3 51,410 720 504
    4 52,130 730 511
    5 52,859 740 518
    6 53,599 750 525
    7 54,350 761 533
    8 55,111 772 540
    9 55,882 782 548
    10 56,665 793 555
    11 57,458 804 563
    12 58,262 816 571
    13 59,078 827 579
    14 59,905 839 587
    15 60,744 850 595
    16 61,594 862 604
    17 62,456 874 612
    18 63,331 887 621
    19 64,217 899 629
    20 65,117 912 638
    TOTAL $16,028 $11,220

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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    Warning: Early Withdrawal Penalty is 180 days interest.

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