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Comparison of Deposit Account from Capital Bank of Texas with 0.20% - November 2025


Long-Term Analysis of Capital Bank of Texas with 0.20% APY and Summit National Bank with 1.78% APY and First Financial Bank with 0.10% 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
    Capital Bank of Texas
    0.20%
    -
    $50,000
    18 Month
    Bank
    0.35x (National Avg. - 0.58%)
    $1,000
     
    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
  • 2
    LOCAL CD
    Summit National Bank
    1.78%
    -
    $50,000
    48 Month
    Bank
    2.18x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.78%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 889 622
    2 50,889 905 633
    3 51,794 921 645
    4 52,715 937 656
    5 53,652 954 668
    6 54,606 971 680
    7 55,577 988 692
    8 56,565 1,006 704
    9 57,571 1,024 717
    10 58,594 1,042 729
    11 59,636 1,060 742
    12 60,696 1,079 755
    13 61,776 1,098 769
    14 62,874 1,118 783
    15 63,992 1,138 796
    16 65,130 1,158 811
    17 66,288 1,179 825
    18 67,466 1,200 840
    19 68,666 1,221 855
    20 69,887 1,243 870
    TOTAL $21,129 $14,790
  • 3
    LOCAL CD
    First Financial Bank
    0.10%
    -
    $50,000
    12 Month
    Bank
    0.18x (National Avg. - 0.55%)
    $100,000
     
    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

    All calculations are for demonstration purposes only.

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