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Comparison of Deposit Account from Bank of Monticello with 0.75% - July 2025


Long-Term Analysis of Bank of Brewton with 1.05% APY and Bank of Monticello with 0.75% APY and Luana Savings Bank with 3.99% APY and WICHITA with 1.25% APY and FIRST HERITAGE with 1.36% 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
    Bank of Brewton
    1.05%
    -
    $50,000
    60 Month
    Bank
    1.14x (National Avg. - 0.92%)
    $10,000
     
    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
  • 2
    LOCAL CD
    Bank of Monticello
    0.75%
    -
    $50,000
    24 Month
    Bank
    1.13x (National Avg. - 0.66%)
    $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
  • 3
    LOCAL CD
    Luana Savings Bank
    3.99%
    -
    $50,000
    6 Month
    Bank
    9.76x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    3.99%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,995 1,397
    2 51,995 2,075 1,452
    3 54,070 2,157 1,510
    4 56,227 2,243 1,570
    5 58,470 2,333 1,633
    6 60,803 2,426 1,698
    7 63,229 2,523 1,766
    8 65,752 2,624 1,836
    9 68,376 2,728 1,910
    10 71,104 2,837 1,986
    11 73,941 2,950 2,065
    12 76,891 3,068 2,148
    13 79,959 3,190 2,233
    14 83,150 3,318 2,322
    15 86,467 3,450 2,415
    16 89,917 3,588 2,511
    17 93,505 3,731 2,612
    18 97,236 3,880 2,716
    19 101,116 4,035 2,824
    20 105,150 4,195 2,937
    TOTAL $59,346 $41,542
  • 4
    LOCAL CD
    WICHITA
    1.25%
    -
    $50,000
    48 Month
    Credit Union
    1.53x (National Avg. - 0.82%)
    $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
  • 5
    LOCAL CD
    FIRST HERITAGE
    1.36%
    -
    $50,000
    48 Month
    Credit Union
    1.66x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.36%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 680 476
    2 50,680 689 482
    3 51,369 699 489
    4 52,068 708 496
    5 52,776 718 502
    6 53,494 728 509
    7 54,221 737 516
    8 54,959 747 523
    9 55,706 758 530
    10 56,464 768 538
    11 57,232 778 545
    12 58,010 789 552
    13 58,799 800 560
    14 59,599 811 567
    15 60,409 822 575
    16 61,231 833 583
    17 62,063 844 591
    18 62,907 856 599
    19 63,763 867 607
    20 64,630 879 615
    TOTAL $15,509 $10,856

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

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