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Comparison of Deposit Account from WESTMINSTER with 0.09% - November 2025


Long-Term Analysis of Millbury National Bank with 0.05% APY and WESTMINSTER with 0.09% APY and Millbury National Bank with 1.98% 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 SAVINGS
    Millbury National Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.22x (National Avg. - 0.23%)
    $10
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    LOCAL SAVINGS
    WESTMINSTER
    0.09%
    -
    $50,000
    N.A.
    Credit Union
    0.40x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.09%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 45 32
    2 50,045 45 32
    3 50,090 45 32
    4 50,135 45 32
    5 50,180 45 32
    6 50,225 45 32
    7 50,271 45 32
    8 50,316 45 32
    9 50,361 45 32
    10 50,406 45 32
    11 50,452 45 32
    12 50,497 45 32
    13 50,543 45 32
    14 50,588 46 32
    15 50,634 46 32
    16 50,679 46 32
    17 50,725 46 32
    18 50,771 46 32
    19 50,816 46 32
    20 50,862 46 32
    TOTAL $908 $635
  • 3
    LOCAL CD
    Millbury National Bank
    1.98%
    -
    $50,000
    3 Month
    Bank
    0.88x (National Avg. - 2.26%)
    $1,000
     
    SCENARIO
    Year Rate
    1.98%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 990 693
    2 50,990 1,010 707
    3 52,000 1,030 721
    4 53,029 1,050 735
    5 54,079 1,071 750
    6 55,150 1,092 764
    7 56,242 1,114 780
    8 57,355 1,136 795
    9 58,491 1,158 811
    10 59,649 1,181 827
    11 60,830 1,204 843
    12 62,035 1,228 860
    13 63,263 1,253 877
    14 64,516 1,277 894
    15 65,793 1,303 912
    16 67,096 1,328 930
    17 68,424 1,355 948
    18 69,779 1,382 967
    19 71,161 1,409 986
    20 72,570 1,437 1,006
    TOTAL $24,007 $16,805

    All calculations are for demonstration purposes only.

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