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Comparison of Deposit Account from American Heritage Bank with 0.20% - May 2025


Long-Term Analysis of Century Bank of Georgia with 3.72% APY and American Bank Center with 0.25% APY and American Heritage Bank with 0.20% APY and Lone Star Capital Bank, National Association with 1.16% APY and Southwestern National Bank with 0.28% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    Century Bank of Georgia
    3.72%
    -
    $50,000
    12 Month
    Bank
    6.75x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    3.72%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,860 1,302
    2 51,860 1,929 1,350
    3 53,789 2,001 1,401
    4 55,790 2,075 1,453
    5 57,866 2,153 1,507
    6 60,018 2,233 1,563
    7 62,251 2,316 1,621
    8 64,567 2,402 1,681
    9 66,968 2,491 1,744
    10 69,460 2,584 1,809
    11 72,044 2,680 1,876
    12 74,724 2,780 1,946
    13 77,503 2,883 2,018
    14 80,386 2,990 2,093
    15 83,377 3,102 2,171
    16 86,478 3,217 2,252
    17 89,695 3,337 2,336
    18 93,032 3,461 2,423
    19 96,493 3,590 2,513
    20 100,082 3,723 2,606
    TOTAL $53,805 $37,664
  • 2
    LOCAL CD
    American Bank Center
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.61x (National Avg. - 0.41%)
    $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
  • 3
    LOCAL SAVINGS
    American Heritage Bank
    0.20%
    -
    $50,000
    N.A.
    Bank
    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
  • 4
    LOCAL CD
    Lone Star Capital Bank, National Association
    1.16%
    -
    $50,000
    48 Month
    Bank
    1.42x (National Avg. - 0.82%)
    $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
  • 5
    LOCAL MONEY MARKET
    Southwestern National Bank
    0.28%
    -
    $50,000
    N.A.
    Bank
    0.34x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.28%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 140 98
    2 50,140 140 98
    3 50,280 141 99
    4 50,421 141 99
    5 50,562 142 99
    6 50,704 142 99
    7 50,846 142 100
    8 50,988 143 100
    9 51,131 143 100
    10 51,274 144 100
    11 51,418 144 101
    12 51,562 144 101
    13 51,706 145 101
    14 51,851 145 102
    15 51,996 146 102
    16 52,142 146 102
    17 52,288 146 102
    18 52,434 147 103
    19 52,581 147 103
    20 52,728 148 103
    TOTAL $2,876 $2,013

    All calculations are for demonstration purposes only.

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