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Comparison of Deposit Account from BNC National Bank with 0.45% - December 2025


Long-Term Analysis of First Federal Savings and Loan Association of Lorain with 0.10% APY and Spectra Bank with 0.25% APY and ENT with 3.80% APY and Bank of the James with 0.05% APY and THE GOLDEN 1 with 3.60% APY and PASADENA with 1.00% APY and The Fairmount State Bank with 0.35% APY and Banterra Bank with 0.04% APY and MID-ATLANTIC with 0.65% APY and K V with 1.51% APY and SPIRE with 1.00% APY and ACCENTRA with 0.50% APY and BNC National Bank with 0.45% APY and KRD with 0.65% APY and QUEST with 0.88% APY and Commerce Bank with 0.25% APY and Frontier State Bank with 2.78% APY and First Bank with 0.05% APY and VITAL with 1.00% APY and SENTINEL with 1.30% APY and ORNL with 0.20% APY and The First National Bank of East Texas with 0.10% APY and GLOBAL with 1.00% 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 MONEY MARKET
    First Federal Savings and Loan Association of Lorain
    0.10%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $2,500
     
    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
  • 2
    LOCAL MONEY MARKET
    Spectra Bank
    0.25%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $2,500
     
    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 CD
    ENT
    3.80%
    -
    $50,000
    6 Month
    Credit Union
    9.41x (National Avg. - 0.40%)
    $500
     
    SCENARIO
    Year Rate
    3.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,900 1,330
    2 51,900 1,972 1,381
    3 53,872 2,047 1,433
    4 55,919 2,125 1,487
    5 58,044 2,206 1,544
    6 60,250 2,289 1,603
    7 62,539 2,376 1,664
    8 64,916 2,467 1,727
    9 67,383 2,561 1,792
    10 69,943 2,658 1,860
    11 72,601 2,759 1,931
    12 75,360 2,864 2,005
    13 78,224 2,972 2,081
    14 81,196 3,085 2,160
    15 84,282 3,203 2,242
    16 87,484 3,324 2,327
    17 90,809 3,451 2,416
    18 94,259 3,582 2,507
    19 97,841 3,718 2,603
    20 101,559 3,859 2,701
    TOTAL $55,419 $38,793
  • 4
    LOCAL SAVINGS
    Bank of the James
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.22x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 5
    LOCAL CD
    THE GOLDEN 1
    3.60%
    -
    $50,000
    36 Month
    Credit Union
    4.78x (National Avg. - 0.75%)
    $500
     
    SCENARIO
    Year Rate
    3.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,800 1,260
    2 51,800 1,865 1,305
    3 53,665 1,932 1,352
    4 55,597 2,001 1,401
    5 57,598 2,074 1,451
    6 59,672 2,148 1,504
    7 61,820 2,226 1,558
    8 64,045 2,306 1,614
    9 66,351 2,389 1,672
    10 68,740 2,475 1,732
    11 71,214 2,564 1,795
    12 73,778 2,656 1,859
    13 76,434 2,752 1,926
    14 79,186 2,851 1,995
    15 82,036 2,953 2,067
    16 84,990 3,060 2,142
    17 88,049 3,170 2,219
    18 91,219 3,284 2,299
    19 94,503 3,402 2,381
    20 97,905 3,525 2,467
    TOTAL $51,430 $36,001
  • 6
    LOCAL CD
    PASADENA
    1.00%
    -
    $50,000
    60 Month
    Credit Union
    1.08x (National Avg. - 0.92%)
    $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
  • 7
    LOCAL CD
    The Fairmount State Bank
    0.35%
    -
    $50,000
    24 Month
    Bank
    0.53x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 8
    LOCAL MONEY MARKET
    Banterra Bank
    0.04%
    -
    $50,000
    N.A.
    Bank
    0.06x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.04%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 20 14
    2 50,020 20 14
    3 50,040 20 14
    4 50,060 20 14
    5 50,080 20 14
    6 50,100 20 14
    7 50,120 20 14
    8 50,140 20 14
    9 50,160 20 14
    10 50,180 20 14
    11 50,200 20 14
    12 50,220 20 14
    13 50,241 20 14
    14 50,261 20 14
    15 50,281 20 14
    16 50,301 20 14
    17 50,321 20 14
    18 50,341 20 14
    19 50,361 20 14
    20 50,381 20 14
    TOTAL $402 $281
  • 9
    LOCAL CD
    MID-ATLANTIC
    0.65%
    -
    $50,000
    48 Month
    Credit Union
    0.80x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 326 228
    2 50,326 328 230
    3 50,654 330 231
    4 50,984 332 233
    5 51,317 335 234
    6 51,651 337 236
    7 51,988 339 237
    8 52,327 341 239
    9 52,668 343 240
    10 53,012 346 242
    11 53,357 348 244
    12 53,705 350 245
    13 54,055 352 247
    14 54,408 355 248
    15 54,763 357 250
    16 55,120 359 252
    17 55,479 362 253
    18 55,841 364 255
    19 56,205 366 257
    20 56,571 369 258
    TOTAL $6,940 $4,858
  • 10
    LOCAL CD
    K V
    1.51%
    -
    $50,000
    60 Month
    Credit Union
    1.64x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.51%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 755 529
    2 50,755 766 536
    3 51,521 778 545
    4 52,299 790 553
    5 53,089 802 561
    6 53,891 814 570
    7 54,704 826 578
    8 55,531 839 587
    9 56,369 851 596
    10 57,220 864 605
    11 58,084 877 614
    12 58,961 890 623
    13 59,852 904 633
    14 60,755 917 642
    15 61,673 931 652
    16 62,604 945 662
    17 63,549 960 672
    18 64,509 974 682
    19 65,483 989 692
    20 66,472 1,004 703
    TOTAL $17,476 $12,233
  • 11
    LOCAL CD
    SPIRE
    1.00%
    -
    $50,000
    48 Month
    Credit Union
    1.22x (National Avg. - 0.82%)
    $100,000
     
    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
  • 12
    LOCAL CD
    ACCENTRA
    0.50%
    -
    $50,000
    36 Month
    Credit Union
    0.66x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 13
    LOCAL CD
    BNC National Bank
    0.45%
    -
    $50,000
    36 Month
    Bank
    0.60x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 14
    LOCAL CD
    KRD
    0.65%
    -
    $50,000
    18 Month
    Credit Union
    1.13x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 15
    LOCAL CD
    QUEST
    0.88%
    -
    $50,000
    36 Month
    Credit Union
    1.17x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.88%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 440 308
    2 50,440 444 311
    3 50,884 448 313
    4 51,332 452 316
    5 51,783 456 319
    6 52,239 460 322
    7 52,699 464 325
    8 53,163 468 327
    9 53,630 472 330
    10 54,102 476 333
    11 54,578 480 336
    12 55,059 485 339
    13 55,543 489 342
    14 56,032 493 345
    15 56,525 497 348
    16 57,022 502 351
    17 57,524 506 354
    18 58,030 511 357
    19 58,541 515 361
    20 59,056 520 364
    TOTAL $9,576 $6,703
  • 16
    LOCAL CD
    Commerce Bank
    0.25%
    -
    $50,000
    48 Month
    Bank
    0.31x (National Avg. - 0.82%)
    $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
  • 17
    LOCAL CD
    Frontier State Bank
    2.78%
    -
    $50,000
    24 Month
    Bank
    4.22x (National Avg. - 0.66%)
    $1,000
     
    SCENARIO
    Year Rate
    2.78%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,390 973
    2 51,390 1,429 1,000
    3 52,819 1,468 1,028
    4 54,287 1,509 1,056
    5 55,796 1,551 1,086
    6 57,347 1,594 1,116
    7 58,942 1,639 1,147
    8 60,580 1,684 1,179
    9 62,264 1,731 1,212
    10 63,995 1,779 1,245
    11 65,774 1,829 1,280
    12 67,603 1,879 1,316
    13 69,482 1,932 1,352
    14 71,414 1,985 1,390
    15 73,399 2,040 1,428
    16 75,440 2,097 1,468
    17 77,537 2,156 1,509
    18 79,692 2,215 1,551
    19 81,908 2,277 1,594
    20 84,185 2,340 1,638
    TOTAL $36,525 $25,568
  • 18
    LOCAL CD
    First Bank
    0.05%
    -
    $50,000
    6 Month
    Bank
    0.12x (National Avg. - 0.40%)
    $100,000
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 19
    LOCAL CD
    VITAL
    1.00%
    -
    $50,000
    24 Month
    Credit Union
    1.52x (National Avg. - 0.66%)
    $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
  • 20
    LOCAL CD
    SENTINEL
    1.30%
    -
    $50,000
    60 Month
    Credit Union
    1.41x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 650 455
    2 50,650 658 461
    3 51,308 667 467
    4 51,975 676 473
    5 52,651 684 479
    6 53,336 693 485
    7 54,029 702 492
    8 54,731 712 498
    9 55,443 721 505
    10 56,164 730 511
    11 56,894 740 518
    12 57,633 749 524
    13 58,383 759 531
    14 59,142 769 538
    15 59,910 779 545
    16 60,689 789 552
    17 61,478 799 559
    18 62,277 810 567
    19 63,087 820 574
    20 63,907 831 582
    TOTAL $14,738 $10,317
  • 21
    LOCAL CD
    ORNL
    0.20%
    -
    $50,000
    6 Month
    Credit Union
    0.50x (National Avg. - 0.40%)
    $10,000
     
    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
  • 22
    LOCAL MONEY MARKET
    The First National Bank of East Texas
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.25x (National Avg. - 0.40%)
    $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
  • 23
    LOCAL CD
    GLOBAL
    1.00%
    -
    $50,000
    36 Month
    Credit Union
    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

    All calculations are for demonstration purposes only.

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