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Comparison of Deposit Account from Yorktown Bank with 0.89% - April 2025


Long-Term Analysis of BUSINESS AND INDUSTRIAL with 0.60% APY and BUSINESS AND INDUSTRIAL with 0.10% APY and Fidelity Bank, National Association with 1.00% APY and Yorktown Bank with 0.89% 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
    BUSINESS AND INDUSTRIAL
    0.60%
    -
    $50,000
    48 Month
    Credit Union
    0.74x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 301 211
    2 50,301 303 212
    3 50,604 305 213
    4 50,908 306 215
    5 51,215 308 216
    6 51,523 310 217
    7 51,833 312 218
    8 52,145 314 220
    9 52,459 316 221
    10 52,775 318 222
    11 53,093 320 224
    12 53,412 322 225
    13 53,734 323 226
    14 54,058 325 228
    15 54,383 327 229
    16 54,710 329 231
    17 55,040 331 232
    18 55,371 333 233
    19 55,704 335 235
    20 56,040 337 236
    TOTAL $6,377 $4,464
  • 2
    LOCAL CD
    BUSINESS AND INDUSTRIAL
    0.10%
    -
    $50,000
    6 Month
    Credit Union
    0.25x (National Avg. - 0.41%)
    $10,000
     
    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
  • 3
    LOCAL CD
    Fidelity Bank, National Association
    1.00%
    -
    $50,000
    60 Month
    Bank
    1.09x (National Avg. - 0.92%)
    $500
     
    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
  • 4
    LOCAL CD
    Yorktown Bank
    0.89%
    -
    $50,000
    36 Month
    Bank
    1.18x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.89%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 445 312
    2 50,445 449 314
    3 50,894 453 317
    4 51,347 457 320
    5 51,804 461 323
    6 52,265 465 326
    7 52,730 469 329
    8 53,199 473 331
    9 53,673 478 334
    10 54,151 482 337
    11 54,633 486 340
    12 55,119 491 343
    13 55,609 495 346
    14 56,104 499 350
    15 56,604 504 353
    16 57,107 508 356
    17 57,616 513 359
    18 58,128 517 362
    19 58,646 522 365
    20 59,168 527 369
    TOTAL $9,694 $6,786

    All calculations are for demonstration purposes only.

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