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Comparison of Deposit Account from WINGS FINANCIAL with 2.48% - August 2025


Long-Term Analysis of WINGS FINANCIAL with 2.48% APY and Concordia Bank & Trust Company with 0.50% APY and TRAVERSE CATHOLIC with 0.10% APY and WINGS FINANCIAL with 1.81% 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
    WINGS FINANCIAL
    2.48%
    -
    $50,000
    60 Month
    Credit Union
    2.70x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    2.48%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,240 868
    2 51,240 1,271 890
    3 52,511 1,302 912
    4 53,813 1,335 934
    5 55,148 1,368 957
    6 56,515 1,402 981
    7 57,917 1,436 1,005
    8 59,353 1,472 1,030
    9 60,825 1,508 1,056
    10 62,334 1,546 1,082
    11 63,879 1,584 1,109
    12 65,464 1,623 1,136
    13 67,087 1,664 1,165
    14 68,751 1,705 1,194
    15 70,456 1,747 1,223
    16 72,203 1,791 1,253
    17 73,994 1,835 1,285
    18 75,829 1,881 1,316
    19 77,709 1,927 1,349
    20 79,637 1,975 1,382
    TOTAL $31,612 $22,128
  • 2
    LOCAL CD
    Concordia Bank & Trust Company
    0.50%
    -
    $50,000
    12 Month
    Bank
    0.91x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 3
    LOCAL MONEY MARKET
    TRAVERSE CATHOLIC
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.18x (National Avg. - 0.55%)
    $2,500
     
    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
  • 4
    LOCAL CD
    WINGS FINANCIAL
    1.81%
    -
    $50,000
    24 Month
    Credit Union
    2.74x (National Avg. - 0.66%)
    $250,000
     
    SCENARIO
    Year Rate
    1.81%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 905 634
    2 50,905 921 645
    3 51,826 938 657
    4 52,764 955 669
    5 53,719 972 681
    6 54,692 990 693
    7 55,682 1,008 705
    8 56,690 1,026 718
    9 57,716 1,045 731
    10 58,760 1,064 744
    11 59,824 1,083 758
    12 60,907 1,102 772
    13 62,009 1,122 786
    14 63,131 1,143 800
    15 64,274 1,163 814
    16 65,437 1,184 829
    17 66,622 1,206 844
    18 67,828 1,228 859
    19 69,055 1,250 875
    20 70,305 1,273 891
    TOTAL $21,578 $15,105

    All calculations are for demonstration purposes only.

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