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Comparison of Deposit Account from WINGS FINANCIAL with 2.32% - August 2025


Long-Term Analysis of Hanmi Bank with 0.35% APY and WINGS FINANCIAL with 2.32% 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
    Hanmi Bank
    0.35%
    -
    $50,000
    6 Month
    Bank
    0.86x (National Avg. - 0.41%)
    $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
    WINGS FINANCIAL
    2.32%
    -
    $50,000
    36 Month
    Credit Union
    3.08x (National Avg. - 0.75%)
    $250,000
     
    SCENARIO
    Year Rate
    2.32%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,160 812
    2 51,160 1,187 831
    3 52,347 1,214 850
    4 53,561 1,243 870
    5 54,804 1,271 890
    6 56,075 1,301 911
    7 57,376 1,331 932
    8 58,708 1,362 953
    9 60,070 1,394 976
    10 61,463 1,426 998
    11 62,889 1,459 1,021
    12 64,348 1,493 1,045
    13 65,841 1,528 1,069
    14 67,369 1,563 1,094
    15 68,931 1,599 1,119
    16 70,531 1,636 1,145
    17 72,167 1,674 1,172
    18 73,841 1,713 1,199
    19 75,554 1,753 1,227
    20 77,307 1,794 1,255
    TOTAL $29,101 $20,371

    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: ↑0.10% on July 13.

    Last change: ↑0.40% on June 24.
    Early withdrawal penalty is 3 Months' Interest.

    Last change: ↓0.05% on August 2.
    7-Month CD.

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