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Comparison of Deposit Account from Blue Ridge Bank and Trust Co. with 1.00% - June 2025


Long-Term Analysis of Blue Ridge Bank and Trust Co. with 1.00% APY and LISTERHILL with 4.72% 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
    Blue Ridge Bank and Trust Co.
    1.00%
    -
    $50,000
    36 Month
    Bank
    1.33x (National Avg. - 0.75%)
    $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
  • 2
    LOCAL CD
    LISTERHILL
    4.72%
    -
    $50,000
    12 Month
    Credit Union
    8.55x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    4.72%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,360 1,652
    2 52,360 2,471 1,730
    3 54,831 2,588 1,812
    4 57,419 2,710 1,897
    5 60,130 2,838 1,987
    6 62,968 2,972 2,080
    7 65,940 3,112 2,179
    8 69,052 3,259 2,281
    9 72,311 3,413 2,389
    10 75,725 3,574 2,502
    11 79,299 3,743 2,620
    12 83,042 3,920 2,744
    13 86,961 4,105 2,873
    14 91,066 4,298 3,009
    15 95,364 4,501 3,151
    16 99,865 4,714 3,300
    17 104,579 4,936 3,455
    18 109,515 5,169 3,618
    19 114,684 5,413 3,789
    20 120,097 5,669 3,968
    TOTAL $75,766 $53,036

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

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