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Comparison of Deposit Account from XCEED FINANCIAL with 0.20% - May 2025

Long-Term Analysis of Flatwater Bank with 1.40% APY and First Fidelity Bank with 0.36% APY and SAN JUAN MOUNTAINS with 0.03% APY and First State Bank with 1.05% APY and First Community Bank and Trust with 0.50% APY and KRAFTMAN with 0.60% APY and ATOMIC with 1.06% APY and Citizens Bank with 0.01% APY and CoastalStates Bank with 0.30% APY and XCEED FINANCIAL with 0.20% APY and GEICO with 0.95% APY and TRUWEST with 0.55% APY and TRUITY with 0.60% APY and MINNEQUA WORKS with 3.04% APY and The First National Bank of Long Island with 3.50% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Flatwater Bank

1.40%

$50,000

60 Month

Bank

1.52x (National Avg. - 0.92%)

$500

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

LOCAL CD

First Fidelity Bank

0.36%

$50,000

18 Month

Bank

0.62x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.36%	Annual Interest	Annual Interest (After Tax)
1	50,000	180	126
2	50,180	181	126
3	50,361	181	127
4	50,542	182	127
5	50,724	183	128
6	50,907	183	128
7	51,090	184	129
8	51,274	185	129
9	51,458	185	130
10	51,644	186	130
11	51,829	187	131
12	52,016	187	131
13	52,203	188	132
14	52,391	189	132
15	52,580	189	133
16	52,769	190	133
17	52,959	191	133
18	53,150	191	134
19	53,341	192	134
20	53,533	193	135
	TOTAL	$3,726	$2,608

LOCAL SAVINGS

SAN JUAN MOUNTAINS

0.03%

$50,000

N.A.

Credit Union

0.13x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.03%	Annual Interest	Annual Interest (After Tax)
1	50,000	15	11
2	50,015	15	11
3	50,030	15	11
4	50,045	15	11
5	50,060	15	11
6	50,075	15	11
7	50,090	15	11
8	50,105	15	11
9	50,120	15	11
10	50,135	15	11
11	50,150	15	11
12	50,165	15	11
13	50,180	15	11
14	50,195	15	11
15	50,210	15	11
16	50,225	15	11
17	50,241	15	11
18	50,256	15	11
19	50,271	15	11
20	50,286	15	11
	TOTAL	$301	$211

LOCAL CD

First State Bank

1.05%

$50,000

36 Month

Bank

1.39x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	525	368
2	50,525	531	371
3	51,056	536	375
4	51,592	542	379
5	52,133	547	383
6	52,681	553	387
7	53,234	559	391
8	53,793	565	395
9	54,358	571	400
10	54,928	577	404
11	55,505	583	408
12	56,088	589	412
13	56,677	595	417
14	57,272	601	421
15	57,873	608	425
16	58,481	614	430
17	59,095	620	434
18	59,716	627	439
19	60,343	634	444
20	60,976	640	448
	TOTAL	$11,616	$8,131

LOCAL CD

First Community Bank and Trust

0.50%

$50,000

24 Month

Bank

0.76x (National Avg. - 0.66%)

$100,000

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

LOCAL CD

KRAFTMAN

0.60%

$50,000

12 Month

Credit Union

1.09x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

ATOMIC

1.06%

$50,000

48 Month

Credit Union

1.30x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.06%	Annual Interest	Annual Interest (After Tax)
1	50,000	530	371
2	50,530	536	375
3	51,066	541	379
4	51,607	547	383
5	52,154	553	387
6	52,707	559	391
7	53,265	565	395
8	53,830	571	399
9	54,401	577	404
10	54,977	583	408
11	55,560	589	412
12	56,149	595	417
13	56,744	601	421
14	57,346	608	426
15	57,954	614	430
16	58,568	621	435
17	59,189	627	439
18	59,816	634	444
19	60,450	641	449
20	61,091	648	453
	TOTAL	$11,738	$8,217

LOCAL SAVINGS

Citizens Bank

0.01%

$50,000

N.A.

Bank

0.04x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	5	4
2	50,005	5	4
3	50,010	5	4
4	50,015	5	4
5	50,020	5	4
6	50,025	5	4
7	50,030	5	4
8	50,035	5	4
9	50,040	5	4
10	50,045	5	4
11	50,050	5	4
12	50,055	5	4
13	50,060	5	4
14	50,065	5	4
15	50,070	5	4
16	50,075	5	4
17	50,080	5	4
18	50,085	5	4
19	50,090	5	4
20	50,095	5	4
	TOTAL	$100	$70

LOCAL MONEY MARKET

CoastalStates Bank

0.30%

$50,000

N.A.

Bank

1.35x (National Avg. - 0.22%)

$10,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL MONEY MARKET

XCEED FINANCIAL

0.20%

$50,000

N.A.

Credit Union

0.90x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

GEICO

0.95%

$50,000

48 Month

Credit Union

1.16x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	475	333
2	50,475	480	336
3	50,955	484	339
4	51,439	489	342
5	51,927	493	345
6	52,421	498	349
7	52,919	503	352
8	53,421	508	355
9	53,929	512	359
10	54,441	517	362
11	54,958	522	365
12	55,480	527	369
13	56,007	532	372
14	56,540	537	376
15	57,077	542	380
16	57,619	547	383
17	58,166	553	387
18	58,719	558	390
19	59,277	563	394
20	59,840	568	398
	TOTAL	$10,408	$7,286

N.A.

TRUWEST

0.55%

$50,000

N.A.

Credit Union

0.67x (National Avg. - 0.82%)

$25,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

TRUITY

0.60%

$50,000

60 Month

Credit Union

0.65x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL SAVINGS

MINNEQUA WORKS

3.04%

$50,000

N.A.

Credit Union

13.63x (National Avg. - 0.22%)

$25,000

SCENARIO

Year	Rate 3.04%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,520	1,064
2	51,520	1,566	1,096
3	53,086	1,614	1,130
4	54,700	1,663	1,164
5	56,363	1,713	1,199
6	58,076	1,766	1,236
7	59,842	1,819	1,273
8	61,661	1,874	1,312
9	63,536	1,931	1,352
10	65,467	1,990	1,393
11	67,457	2,051	1,435
12	69,508	2,113	1,479
13	71,621	2,177	1,524
14	73,798	2,243	1,570
15	76,042	2,312	1,618
16	78,353	2,382	1,667
17	80,735	2,454	1,718
18	83,190	2,529	1,770
19	85,719	2,606	1,824
20	88,324	2,685	1,880
	TOTAL	$41,010	$28,707

LOCAL MONEY MARKET

The First National Bank of Long Island

3.50%

$50,000

N.A.

Bank

15.70x (National Avg. - 0.22%)

$1,000,000

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

All calculations are for demonstration purposes only.

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Compare Savings vs. CDs Comparison of Deposit Account from XCEED FINANCIAL with 0.20% - May 2025

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Compare Savings vs. CDs
Comparison of Deposit Account from XCEED FINANCIAL with 0.20% - May 2025