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Comparison of Deposit Account from YNB with 0.40% - May 2025

Long-Term Analysis of Legacy Bank with 0.25% APY and Gateway First Bank with 1.50% APY and F A A with 0.45% APY and F A A with 0.75% APY and Spring Bank with 0.25% APY and CB&S Bank, Inc. with 0.35% APY and CB&S Bank, Inc. with 0.20% APY and LEGACY COMMUNITY with 1.00% APY and Suncrest Bank with 0.45% APY and SANDIA LABORATORY with 1.30% APY and METRUM COMMUNITY with 0.95% APY and The First Bank of Greenwich with 0.50% APY and DEPARTMENT OF COMMERCE with 2.18% APY and GEORGETOWN with 0.30% APY and Amalgamated Bank with 0.60% APY and ENVISION with 1.16% APY and FLAG with 0.20% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 4.14% APY and VELOCITY COMMUNITY with 3.80% APY and UNIVERSITY OF ILLINOIS COMMUNITY with 0.60% APY and First Secure Community Bank with 0.25% APY and First Secure Community Bank with 0.15% APY and MIDWEST COALITION OF LABOR with 0.02% APY and RIVERSIDE COMMUNITY with 1.26% APY and ADVANTAGEPLUS OF INDIANA with 0.50% APY and Union State Bank with 0.40% APY and FRONTIER COMMUNITY with 0.60% APY and The First National Bank in Cimarron with 0.55% APY and MOREHEAD COMMUNITY with 0.70% APY and MOREHEAD COMMUNITY with 0.35% APY and FIRST PRIORITY with 0.30% APY and WEBSTER FIRST with 0.60% APY and N R L with 0.52% APY and The Dart Bank with 0.50% APY and F & C Bank with 0.30% APY and Springfield First Community Bank with 1.51% APY and MEMBERS FIRST CREDIT UNION OF N.H. with 0.50% APY and MEMBERS FIRST CREDIT UNION OF N.H. with 0.70% APY and MEMBERS FIRST CREDIT UNION OF N.H. with 0.80% APY and MEMBERS FIRST CREDIT UNION OF N.H. with 0.30% APY and MEMBERS FIRST CREDIT UNION OF N.H. with 0.90% APY and MEMBERS FIRST CREDIT UNION OF N.H. with 0.15% APY and A C M G with 0.80% APY and YNB with 0.40% APY and LEGACY with 0.40% APY and LEGACY with 0.40% APY and LEGACY with 0.05% APY and CASCADE COMMUNITY with 0.50% APY and PALCO FCU with 0.75% APY and ALLEGENT COMMUNITY with 0.45% APY and ALLEGENT COMMUNITY with 0.60% APY and ALLEGENT COMMUNITY with 0.55% APY and ALLEGENT COMMUNITY with 0.10% APY and TRANSIT WORKERS with 0.25% APY and WESTERLY COMMUNITY with 0.10% APY and NAVIGANT with 1.25% APY and Security First Bank with 0.15% APY and SERVICE FIRST with 0.30% APY and SERVICE FIRST with 0.40% APY and SERVICE FIRST with 1.00% APY and SIOUX EMPIRE with 0.25% APY and TEXAS TECH with 1.35% APY and FIRST CLASS AMERICAN with 0.80% APY and SECURITY SERVICE with 0.05% APY and COMPLEX COMMUNITY with 0.63% APY and PORT ARTHUR COMMUNITY with 0.15% APY and GENERATIONS COMMUNITY with 0.75% APY and Greater State Bank with 1.51% APY and COMMONWEALTH ONE with 5.35% APY and COMMONWEALTH ONE with 3.15% APY and INDUSTRIAL CU OF WHATCOM COUNTY with 0.15% APY and DUPACO COMMUNITY with 0.80% APY and DUPACO COMMUNITY with 0.25% APY and BADGER-GLOBE with 0.85% APY and BADGER-GLOBE with 0.15% APY and The First Bank of Baldwin with 1.25% APY and MCU FINANCIAL CENTER with 0.85% APY and COMMUNITY FIRST with 0.55% APY and ONPOINT COMMUNITY with 2.61% APY and WORKERS with 0.60% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 2.68% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 2.73% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 4.25% APY and COMMUNITY FIRST CREDIT UNION OF FLO with 4.35% APY and Institution for Savings in Newburyport and Its Vicinity with 0.30% 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 SAVINGS

Legacy Bank

0.25%

$50,000

N.A.

Bank

1.12x (National Avg. - 0.22%)

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL SAVINGS

Gateway First Bank

1.50%

$50,000

N.A.

Bank

6.73x (National Avg. - 0.22%)

$10

SCENARIO

Year	Rate 1.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	750	525
2	50,750	761	533
3	51,511	773	541
4	52,284	784	549
5	53,068	796	557
6	53,864	808	566
7	54,672	820	574
8	55,492	832	583
9	56,325	845	591
10	57,169	858	600
11	58,027	870	609
12	58,897	883	618
13	59,781	897	628
14	60,678	910	637
15	61,588	924	647
16	62,512	938	656
17	63,449	952	666
18	64,401	966	676
19	65,367	981	686
20	66,348	995	697
	TOTAL	$17,343	$12,140

LOCAL CD

F A A

0.45%

$50,000

18 Month

Credit Union

0.78x (National Avg. - 0.58%)

$500

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

F A A

0.75%

$50,000

60 Month

Credit Union

0.82x (National Avg. - 0.92%)

$500

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL SAVINGS

Spring Bank

0.25%

$50,000

N.A.

Bank

1.12x (National Avg. - 0.22%)

$100

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

CB&S Bank, Inc.

0.35%

$50,000

12 Month

Bank

0.64x (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

LOCAL CD

CB&S Bank, Inc.

0.20%

$50,000

6 Month

Bank

0.49x (National Avg. - 0.41%)

$100,000

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

LEGACY COMMUNITY

1.00%

$50,000

48 Month

Credit Union

1.23x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

Suncrest Bank

0.45%

$50,000

30 Month

Bank

N.A.

$10,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

SANDIA LABORATORY

1.30%

$50,000

36 Month

Credit Union

1.73x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	650	455
2	50,650	658	461
3	51,308	667	467
4	51,975	676	473
5	52,651	684	479
6	53,336	693	485
7	54,029	702	492
8	54,731	712	498
9	55,443	721	505
10	56,164	730	511
11	56,894	740	518
12	57,633	749	524
13	58,383	759	531
14	59,142	769	538
15	59,910	779	545
16	60,689	789	552
17	61,478	799	559
18	62,277	810	567
19	63,087	820	574
20	63,907	831	582
	TOTAL	$14,738	$10,317

LOCAL CD

METRUM COMMUNITY

0.95%

$50,000

60 Month

Credit Union

1.03x (National Avg. - 0.92%)

$25,000

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

LOCAL CD

The First Bank of Greenwich

0.50%

$50,000

12 Month

Bank

0.91x (National Avg. - 0.55%)

$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

DEPARTMENT OF COMMERCE

2.18%

$50,000

12 Month

Credit Union

3.96x (National Avg. - 0.55%)

$500

SCENARIO

Year	Rate 2.18%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,090	763
2	51,090	1,114	780
3	52,204	1,138	797
4	53,342	1,163	814
5	54,505	1,188	832
6	55,693	1,214	850
7	56,907	1,241	868
8	58,148	1,268	887
9	59,415	1,295	907
10	60,710	1,323	926
11	62,034	1,352	947
12	63,386	1,382	967
13	64,768	1,412	988
14	66,180	1,443	1,010
15	67,623	1,474	1,032
16	69,097	1,506	1,054
17	70,603	1,539	1,077
18	72,142	1,573	1,101
19	73,715	1,607	1,125
20	75,322	1,642	1,149
	TOTAL	$26,964	$18,875

LOCAL CD

GEORGETOWN

0.30%

$50,000

60 Month

Credit Union

0.33x (National Avg. - 0.92%)

$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

Amalgamated Bank

0.60%

$50,000

N.A.

Bank

0.65x (National Avg. - 0.92%)

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 MONEY MARKET

ENVISION

1.16%

$50,000

N.A.

Credit Union

1.26x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	580	406
2	50,580	587	411
3	51,167	594	415
4	51,760	600	420
5	52,361	607	425
6	52,968	614	430
7	53,582	622	435
8	54,204	629	440
9	54,833	636	445
10	55,469	643	450
11	56,112	651	456
12	56,763	658	461
13	57,422	666	466
14	58,088	674	472
15	58,762	682	477
16	59,443	690	483
17	60,133	698	488
18	60,830	706	494
19	61,536	714	500
20	62,250	722	505
	TOTAL	$12,972	$9,080

LOCAL CD

FLAG

0.20%

$50,000

12 Month

Credit Union

0.36x (National Avg. - 0.55%)

$10,000

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

COMMUNITY FIRST CREDIT UNION OF FLO

4.14%

$50,000

36 Month

Credit Union

5.50x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 4.14%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,070	1,449
2	52,070	2,156	1,509
3	54,226	2,245	1,571
4	56,471	2,338	1,637
5	58,809	2,435	1,704
6	61,243	2,535	1,775
7	63,779	2,640	1,848
8	66,419	2,750	1,925
9	69,169	2,864	2,005
10	72,032	2,982	2,088
11	75,015	3,106	2,174
12	78,120	3,234	2,264
13	81,354	3,368	2,358
14	84,722	3,508	2,455
15	88,230	3,653	2,557
16	91,883	3,804	2,663
17	95,687	3,961	2,773
18	99,648	4,125	2,888
19	103,773	4,296	3,007
20	108,070	4,474	3,132
	TOTAL	$62,544	$43,781

LOCAL CD

VELOCITY COMMUNITY

3.80%

$50,000

18 Month

Credit Union

6.55x (National Avg. - 0.58%)

$5,000

SCENARIO

Year	Rate 3.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,900	1,330
2	51,900	1,972	1,381
3	53,872	2,047	1,433
4	55,919	2,125	1,487
5	58,044	2,206	1,544
6	60,250	2,289	1,603
7	62,539	2,376	1,664
8	64,916	2,467	1,727
9	67,383	2,561	1,792
10	69,943	2,658	1,860
11	72,601	2,759	1,931
12	75,360	2,864	2,005
13	78,224	2,972	2,081
14	81,196	3,085	2,160
15	84,282	3,203	2,242
16	87,484	3,324	2,327
17	90,809	3,451	2,416
18	94,259	3,582	2,507
19	97,841	3,718	2,603
20	101,559	3,859	2,701
	TOTAL	$55,419	$38,793

LOCAL CD

UNIVERSITY OF ILLINOIS COMMUNITY

0.60%

$50,000

24 Month

Credit Union

0.91x (National Avg. - 0.66%)

$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 CD

First Secure Community Bank

0.25%

$50,000

6 Month

Bank

0.61x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL MONEY MARKET

First Secure Community Bank

0.15%

$50,000

N.A.

Bank

0.37x (National Avg. - 0.41%)

$2,500

SCENARIO

Year	Rate 0.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	75	53
2	50,075	75	53
3	50,150	75	53
4	50,225	75	53
5	50,301	75	53
6	50,376	76	53
7	50,452	76	53
8	50,527	76	53
9	50,603	76	53
10	50,679	76	53
11	50,755	76	53
12	50,831	76	53
13	50,907	76	53
14	50,984	76	54
15	51,060	77	54
16	51,137	77	54
17	51,214	77	54
18	51,290	77	54
19	51,367	77	54
20	51,444	77	54
	TOTAL	$1,522	$1,065

LOCAL SAVINGS

MIDWEST COALITION OF LABOR

0.02%

$50,000

N.A.

Credit Union

0.09x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.02%	Annual Interest	Annual Interest (After Tax)
1	50,000	10	7
2	50,010	10	7
3	50,020	10	7
4	50,030	10	7
5	50,040	10	7
6	50,050	10	7
7	50,060	10	7
8	50,070	10	7
9	50,080	10	7
10	50,090	10	7
11	50,100	10	7
12	50,110	10	7
13	50,120	10	7
14	50,130	10	7
15	50,140	10	7
16	50,150	10	7
17	50,160	10	7
18	50,170	10	7
19	50,180	10	7
20	50,190	10	7
	TOTAL	$200	$140

LOCAL CD

RIVERSIDE COMMUNITY

1.26%

$50,000

36 Month

Credit Union

1.67x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	630	441
2	50,630	638	447
3	51,268	646	452
4	51,914	654	458
5	52,568	662	464
6	53,230	671	469
7	53,901	679	475
8	54,580	688	481
9	55,268	696	487
10	55,964	705	494
11	56,669	714	500
12	57,384	723	506
13	58,107	732	512
14	58,839	741	519
15	59,580	751	525
16	60,331	760	532
17	61,091	770	539
18	61,861	779	546
19	62,640	789	552
20	63,429	799	559
	TOTAL	$14,229	$9,960

LOCAL CD

ADVANTAGEPLUS OF INDIANA

0.50%

$50,000

6 Month

Credit Union

1.23x (National Avg. - 0.41%)

$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

Union State Bank

0.40%

$50,000

12 Month

Bank

0.73x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

FRONTIER COMMUNITY

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

The First National Bank in Cimarron

0.55%

$50,000

12 Month

Bank

1.00x (National Avg. - 0.55%)

$10,000

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

MOREHEAD COMMUNITY

0.70%

$50,000

24 Month

Credit Union

1.06x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL MONEY MARKET

MOREHEAD COMMUNITY

0.35%

$50,000

N.A.

Credit Union

0.53x (National Avg. - 0.66%)

$10,000

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

LOCAL CD

FIRST PRIORITY

0.30%

$50,000

6 Month

Credit Union

0.74x (National Avg. - 0.41%)

$100,000

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 CD

WEBSTER FIRST

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 CD

N R L

0.52%

$50,000

12 Month

Credit Union

0.94x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.52%	Annual Interest	Annual Interest (After Tax)
1	50,000	260	182
2	50,260	261	183
3	50,521	263	184
4	50,784	264	185
5	51,048	265	186
6	51,314	267	187
7	51,580	268	188
8	51,849	270	189
9	52,118	271	190
10	52,389	272	191
11	52,662	274	192
12	52,936	275	193
13	53,211	277	194
14	53,487	278	195
15	53,766	280	196
16	54,045	281	197
17	54,326	282	198
18	54,609	284	199
19	54,893	285	200
20	55,178	287	201
	TOTAL	$5,465	$3,826

LOCAL CD

The Dart Bank

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

LOCAL CD

F & C Bank

0.30%

$50,000

6 Month

Bank

0.74x (National Avg. - 0.41%)

$2,500

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 CD

Springfield First Community Bank

1.51%

$50,000

36 Month

Bank

2.01x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	755	529
2	50,755	766	536
3	51,521	778	545
4	52,299	790	553
5	53,089	802	561
6	53,891	814	570
7	54,704	826	578
8	55,531	839	587
9	56,369	851	596
10	57,220	864	605
11	58,084	877	614
12	58,961	890	623
13	59,852	904	633
14	60,755	917	642
15	61,673	931	652
16	62,604	945	662
17	63,549	960	672
18	64,509	974	682
19	65,483	989	692
20	66,472	1,004	703
	TOTAL	$17,476	$12,233

LOCAL CD

MEMBERS FIRST CREDIT UNION OF N.H.

0.50%

$50,000

18 Month

Credit Union

0.86x (National Avg. - 0.58%)

$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

MEMBERS FIRST CREDIT UNION OF N.H.

0.70%

$50,000

36 Month

Credit Union

0.93x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

MEMBERS FIRST CREDIT UNION OF N.H.

0.80%

$50,000

48 Month

Credit Union

0.98x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

MEMBERS FIRST CREDIT UNION OF N.H.

0.30%

$50,000

6 Month

Credit Union

0.74x (National Avg. - 0.41%)

$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 CD

MEMBERS FIRST CREDIT UNION OF N.H.

0.90%

$50,000

60 Month

Credit Union

0.98x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL MONEY MARKET

MEMBERS FIRST CREDIT UNION OF N.H.

0.15%

$50,000

N.A.

Credit Union

0.16x (National Avg. - 0.92%)

$25,000

SCENARIO

Year	Rate 0.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	75	53
2	50,075	75	53
3	50,150	75	53
4	50,225	75	53
5	50,301	75	53
6	50,376	76	53
7	50,452	76	53
8	50,527	76	53
9	50,603	76	53
10	50,679	76	53
11	50,755	76	53
12	50,831	76	53
13	50,907	76	53
14	50,984	76	54
15	51,060	77	54
16	51,137	77	54
17	51,214	77	54
18	51,290	77	54
19	51,367	77	54
20	51,444	77	54
	TOTAL	$1,522	$1,065

LOCAL CD

A C M G

0.80%

$50,000

36 Month

Credit Union

1.06x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

YNB

0.40%

$50,000

12 Month

Bank

0.73x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

LEGACY

0.40%

$50,000

18 Month

Credit Union

0.69x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

LEGACY

0.40%

$50,000

18 Month

Credit Union

0.69x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL SAVINGS

LEGACY

0.05%

$50,000

N.A.

Credit Union

0.22x (National Avg. - 0.22%)

$2,500

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

LOCAL CD

CASCADE COMMUNITY

0.50%

$50,000

36 Month

Credit Union

0.66x (National Avg. - 0.75%)

$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

LOCAL CD

PALCO FCU

0.75%

$50,000

18 Month

Credit Union

1.29x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

ALLEGENT COMMUNITY

0.45%

$50,000

12 Month

Credit Union

0.82x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

ALLEGENT COMMUNITY

0.60%

$50,000

24 Month

Credit Union

0.91x (National Avg. - 0.66%)

$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

ALLEGENT COMMUNITY

0.55%

$50,000

48 Month

Credit Union

0.67x (National Avg. - 0.82%)

$10,000

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 SAVINGS

ALLEGENT COMMUNITY

0.10%

$50,000

N.A.

Credit Union

0.45x (National Avg. - 0.22%)

$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

LOCAL CD

TRANSIT WORKERS

0.25%

$50,000

12 Month

Credit Union

0.45x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL MONEY MARKET

WESTERLY COMMUNITY

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

LOCAL CD

NAVIGANT

1.25%

$50,000

60 Month

Credit Union

1.36x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL MONEY MARKET

Security First Bank

0.15%

$50,000

N.A.

Bank

0.16x (National Avg. - 0.92%)

$25,000

SCENARIO

Year	Rate 0.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	75	53
2	50,075	75	53
3	50,150	75	53
4	50,225	75	53
5	50,301	75	53
6	50,376	76	53
7	50,452	76	53
8	50,527	76	53
9	50,603	76	53
10	50,679	76	53
11	50,755	76	53
12	50,831	76	53
13	50,907	76	53
14	50,984	76	54
15	51,060	77	54
16	51,137	77	54
17	51,214	77	54
18	51,290	77	54
19	51,367	77	54
20	51,444	77	54
	TOTAL	$1,522	$1,065

LOCAL CD

SERVICE FIRST

0.30%

$50,000

18 Month

Credit Union

0.52x (National Avg. - 0.58%)

$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 CD

SERVICE FIRST

0.40%

$50,000

24 Month

Credit Union

0.61x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

SERVICE FIRST

1.00%

$50,000

60 Month

Credit Union

1.09x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

SIOUX EMPIRE

0.25%

$50,000

6 Month

Credit Union

0.61x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

TEXAS TECH

1.35%

$50,000

48 Month

Credit Union

1.65x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	675	473
2	50,675	684	479
3	51,359	693	485
4	52,052	703	492
5	52,755	712	499
6	53,467	722	505
7	54,189	732	512
8	54,921	741	519
9	55,662	751	526
10	56,414	762	533
11	57,175	772	540
12	57,947	782	548
13	58,729	793	555
14	59,522	804	562
15	60,326	814	570
16	61,140	825	578
17	61,966	837	586
18	62,802	848	593
19	63,650	859	601
20	64,509	871	610
	TOTAL	$15,380	$10,766

LOCAL CD

FIRST CLASS AMERICAN

0.80%

$50,000

18 Month

Credit Union

1.38x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	402	281
2	50,402	405	283
3	50,806	408	286
4	51,214	411	288
5	51,625	415	290
6	52,040	418	293
7	52,458	421	295
8	52,879	425	297
9	53,304	428	300
10	53,732	431	302
11	54,163	435	304
12	54,598	438	307
13	55,037	442	309
14	55,479	445	312
15	55,924	449	314
16	56,373	453	317
17	56,826	456	319
18	57,282	460	322
19	57,742	464	325
20	58,206	467	327
	TOTAL	$8,673	$6,071

LOCAL MONEY MARKET

SECURITY SERVICE

0.05%

$50,000

N.A.

Credit Union

0.09x (National Avg. - 0.58%)

$10,001

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

LOCAL MONEY MARKET

COMPLEX COMMUNITY

0.63%

$50,000

N.A.

Credit Union

1.09x (National Avg. - 0.58%)

$15,000

SCENARIO

Year	Rate 0.63%	Annual Interest	Annual Interest (After Tax)
1	50,000	315	221
2	50,315	317	222
3	50,632	319	223
4	50,951	321	225
5	51,272	323	226
6	51,595	325	228
7	51,920	327	229
8	52,247	329	230
9	52,576	331	232
10	52,908	333	233
11	53,241	335	235
12	53,576	338	236
13	53,914	340	238
14	54,253	342	239
15	54,595	344	241
16	54,939	346	242
17	55,285	348	244
18	55,634	350	245
19	55,984	353	247
20	56,337	355	248
	TOTAL	$6,692	$4,684

LOCAL SAVINGS

PORT ARTHUR COMMUNITY

0.15%

$50,000

N.A.

Credit Union

0.67x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	75	53
2	50,075	75	53
3	50,150	75	53
4	50,225	75	53
5	50,301	75	53
6	50,376	76	53
7	50,452	76	53
8	50,527	76	53
9	50,603	76	53
10	50,679	76	53
11	50,755	76	53
12	50,831	76	53
13	50,907	76	53
14	50,984	76	54
15	51,060	77	54
16	51,137	77	54
17	51,214	77	54
18	51,290	77	54
19	51,367	77	54
20	51,444	77	54
	TOTAL	$1,522	$1,065

LOCAL CD

GENERATIONS COMMUNITY

0.75%

$50,000

12 Month

Credit Union

1.36x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

Greater State Bank

1.51%

$50,000

60 Month

Bank

1.64x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	755	529
2	50,755	766	536
3	51,521	778	545
4	52,299	790	553
5	53,089	802	561
6	53,891	814	570
7	54,704	826	578
8	55,531	839	587
9	56,369	851	596
10	57,220	864	605
11	58,084	877	614
12	58,961	890	623
13	59,852	904	633
14	60,755	917	642
15	61,673	931	652
16	62,604	945	662
17	63,549	960	672
18	64,509	974	682
19	65,483	989	692
20	66,472	1,004	703
	TOTAL	$17,476	$12,233

LOCAL CD

COMMONWEALTH ONE

5.35%

$50,000

12 Month

Credit Union

9.71x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 5.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,675	1,873
2	52,675	2,818	1,973
3	55,493	2,969	2,078
4	58,462	3,128	2,189
5	61,590	3,295	2,307
6	64,885	3,471	2,430
7	68,356	3,657	2,560
8	72,013	3,853	2,697
9	75,866	4,059	2,841
10	79,925	4,276	2,993
11	84,201	4,505	3,153
12	88,705	4,746	3,322
13	93,451	5,000	3,500
14	98,451	5,267	3,687
15	103,718	5,549	3,884
16	109,267	5,846	4,092
17	115,113	6,159	4,311
18	121,271	6,488	4,542
19	127,759	6,835	4,785
20	134,594	7,201	5,041
	TOTAL	$91,795	$64,256

LOCAL CD

COMMONWEALTH ONE

3.15%

$50,000

24 Month

Credit Union

4.78x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 3.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,575	1,103
2	51,575	1,625	1,137
3	53,200	1,676	1,173
4	54,875	1,729	1,210
5	56,604	1,783	1,248
6	58,387	1,839	1,287
7	60,226	1,897	1,328
8	62,123	1,957	1,370
9	64,080	2,019	1,413
10	66,099	2,082	1,457
11	68,181	2,148	1,503
12	70,329	2,215	1,551
13	72,544	2,285	1,600
14	74,829	2,357	1,650
15	77,186	2,431	1,702
16	79,617	2,508	1,756
17	82,125	2,587	1,811
18	84,712	2,668	1,868
19	87,381	2,752	1,927
20	90,133	2,839	1,987
	TOTAL	$42,973	$30,081

LOCAL MONEY MARKET

INDUSTRIAL CU OF WHATCOM COUNTY

0.15%

$50,000

N.A.

Credit Union

0.23x (National Avg. - 0.66%)

$25,000

SCENARIO

Year	Rate 0.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	75	53
2	50,075	75	53
3	50,150	75	53
4	50,225	75	53
5	50,301	75	53
6	50,376	76	53
7	50,452	76	53
8	50,527	76	53
9	50,603	76	53
10	50,679	76	53
11	50,755	76	53
12	50,831	76	53
13	50,907	76	53
14	50,984	76	54
15	51,060	77	54
16	51,137	77	54
17	51,214	77	54
18	51,290	77	54
19	51,367	77	54
20	51,444	77	54
	TOTAL	$1,522	$1,065

LOCAL CD

DUPACO COMMUNITY

0.80%

$50,000

24 Month

Credit Union

1.21x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL MONEY MARKET

DUPACO COMMUNITY

0.25%

$50,000

N.A.

Credit Union

0.38x (National Avg. - 0.66%)

$2,500

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

BADGER-GLOBE

0.85%

$50,000

36 Month

Credit Union

1.13x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL SAVINGS

BADGER-GLOBE

0.15%

$50,000

N.A.

Credit Union

0.67x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	75	53
2	50,075	75	53
3	50,150	75	53
4	50,225	75	53
5	50,301	75	53
6	50,376	76	53
7	50,452	76	53
8	50,527	76	53
9	50,603	76	53
10	50,679	76	53
11	50,755	76	53
12	50,831	76	53
13	50,907	76	53
14	50,984	76	54
15	51,060	77	54
16	51,137	77	54
17	51,214	77	54
18	51,290	77	54
19	51,367	77	54
20	51,444	77	54
	TOTAL	$1,522	$1,065

LOCAL CD

The First Bank of Baldwin

1.25%

$50,000

60 Month

Bank

1.36x (National Avg. - 0.92%)

$500

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL CD

MCU FINANCIAL CENTER

0.85%

$50,000

36 Month

Credit Union

1.13x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL MONEY MARKET

COMMUNITY FIRST

0.55%

$50,000

N.A.

Credit Union

0.73x (National Avg. - 0.75%)

$100

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

ONPOINT COMMUNITY

2.61%

$50,000

24 Month

Credit Union

3.96x (National Avg. - 0.66%)

$1,001

SCENARIO

Year	Rate 2.61%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,305	914
2	51,305	1,339	937
3	52,644	1,374	962
4	54,018	1,410	987
5	55,428	1,447	1,013
6	56,875	1,484	1,039
7	58,359	1,523	1,066
8	59,882	1,563	1,094
9	61,445	1,604	1,123
10	63,049	1,646	1,152
11	64,694	1,689	1,182
12	66,383	1,733	1,213
13	68,116	1,778	1,244
14	69,893	1,824	1,277
15	71,718	1,872	1,310
16	73,589	1,921	1,344
17	75,510	1,971	1,380
18	77,481	2,022	1,416
19	79,503	2,075	1,453
20	81,578	2,129	1,490
	TOTAL	$33,707	$23,595

LOCAL MONEY MARKET

WORKERS

0.60%

$50,000

N.A.

Credit Union

0.91x (National Avg. - 0.66%)

$25,000

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

COMMUNITY FIRST CREDIT UNION OF FLO

2.68%

$50,000

6 Month

Credit Union

6.58x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 2.68%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,340	938
2	51,340	1,376	963
3	52,716	1,413	989
4	54,129	1,451	1,015
5	55,579	1,490	1,043
6	57,069	1,529	1,071
7	58,598	1,570	1,099
8	60,169	1,613	1,129
9	61,781	1,656	1,159
10	63,437	1,700	1,190
11	65,137	1,746	1,222
12	66,883	1,792	1,255
13	68,675	1,840	1,288
14	70,516	1,890	1,323
15	72,406	1,940	1,358
16	74,346	1,992	1,395
17	76,339	2,046	1,432
18	78,384	2,101	1,470
19	80,485	2,157	1,510
20	82,642	2,215	1,550
	TOTAL	$34,857	$24,400

LOCAL CD

COMMUNITY FIRST CREDIT UNION OF FLO

2.73%

$50,000

6 Month

Credit Union

6.71x (National Avg. - 0.41%)

$250,000

SCENARIO

Year	Rate 2.73%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,365	956
2	51,365	1,402	982
3	52,767	1,441	1,008
4	54,208	1,480	1,036
5	55,688	1,520	1,064
6	57,208	1,562	1,093
7	58,770	1,604	1,123
8	60,374	1,648	1,154
9	62,022	1,693	1,185
10	63,716	1,739	1,218
11	65,455	1,787	1,251
12	67,242	1,836	1,285
13	69,078	1,886	1,320
14	70,963	1,937	1,356
15	72,901	1,990	1,393
16	74,891	2,045	1,431
17	76,935	2,100	1,470
18	79,036	2,158	1,510
19	81,193	2,217	1,552
20	83,410	2,277	1,594
	TOTAL	$35,687	$24,981

LOCAL CD

COMMUNITY FIRST CREDIT UNION OF FLO

4.25%

$50,000

60 Month

Credit Union

4.62x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 4.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,125	1,488
2	52,125	2,215	1,551
3	54,340	2,309	1,617
4	56,650	2,408	1,685
5	59,057	2,510	1,757
6	61,567	2,617	1,832
7	64,184	2,728	1,909
8	66,912	2,844	1,991
9	69,756	2,965	2,075
10	72,720	3,091	2,163
11	75,811	3,222	2,255
12	79,033	3,359	2,351
13	82,392	3,502	2,451
14	85,893	3,650	2,555
15	89,544	3,806	2,664
16	93,349	3,967	2,777
17	97,317	4,136	2,895
18	101,453	4,312	3,018
19	105,764	4,495	3,146
20	110,259	4,686	3,280
	TOTAL	$64,945	$45,462

LOCAL CD

COMMUNITY FIRST CREDIT UNION OF FLO

4.35%

$50,000

60 Month

Credit Union

4.73x (National Avg. - 0.92%)

$250,000

SCENARIO

Year	Rate 4.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,175	1,523
2	52,175	2,270	1,589
3	54,445	2,368	1,658
4	56,813	2,471	1,730
5	59,284	2,579	1,805
6	61,863	2,691	1,884
7	64,554	2,808	1,966
8	67,362	2,930	2,051
9	70,293	3,058	2,140
10	73,350	3,191	2,234
11	76,541	3,330	2,331
12	79,871	3,474	2,432
13	83,345	3,626	2,538
14	86,970	3,783	2,648
15	90,754	3,948	2,763
16	94,701	4,120	2,884
17	98,821	4,299	3,009
18	103,120	4,486	3,140
19	107,605	4,681	3,277
20	112,286	4,884	3,419
	TOTAL	$67,171	$47,019

LOCAL MONEY MARKET

Institution for Savings in Newburyport and Its Vicinity

0.30%

$50,000

N.A.

Bank

0.33x (National Avg. - 0.92%)

$250,001

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

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
My e-Banc, a division of Bradesco BAC Florida Bank	4.50%	$50,000	Learn More
Last change: ↓0.05% on April 30. 6 Month Jumbo CD.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Goldman Sachs Bank	4.50%	$500	Learn More
Last change: ↓0.50% on February 25.

Compare Savings vs. CDs Comparison of Deposit Account from YNB with 0.40% - May 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from YNB with 0.40% - May 2025