Deposit at the Burrito Bank

If you like Chipotle at all, have you made your deposit at the Burrito Bank? Yes it's a good deal, assuming you can make it back once this year to claim your deposit, and you'll spend $25 there within the next 4 years. For a financial comparison, we'll say the interest on the investment is the free burrito - lets price that at $5.50. That makes the interest on the term of the investment 22%. If you instead put the $25 in a high-yield savings account (a reasonable comparison for the term over which $25 in Chipotle bucks will last, not the resulting calculated comparison term), at 5.05% APY (real current rate, 4.93% APR compounded daily, assume no rate changes over the term), it would take 1473 days to achieve the same return. That's 4 years, 12 days (there's a leap year in there). At that length a more likely investment would be a CD at 5.20% APY, which would shorten the term to around 3.79 years. So unless you won't buy 5 more burritos within around 4 years, you should go attempt to make your deposit at the Burrito Bank.