Compare Savings vs. CDs
Comparison of Deposit Account from Central National Bank of Junction City, Kansas with 0.27% - November 2026


Long-Term Analysis of Central National Bank of Junction City, Kansas with 0.27% APY and Central National Bank of Junction City, Kansas with 0.20% APY and The Citizens National Bank of Lebanon with 0.18% APY and The Citizens National Bank of Lebanon with 0.20% 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
    0.27%
    -
    $50,000
    48 Month
    Bank
    0.33x (National Avg. - 0.82%)
    $50,000
     
    SCENARIO
    Year Rate
    0.27%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 135 95
    2 50,135 135 95
    3 50,270 136 95
    4 50,406 136 95
    5 50,542 136 96
    6 50,679 137 96
    7 50,815 137 96
    8 50,953 138 96
    9 51,090 138 97
    10 51,228 138 97
    11 51,367 139 97
    12 51,505 139 97
    13 51,644 139 98
    14 51,784 140 98
    15 51,924 140 98
    16 52,064 141 98
    17 52,204 141 99
    18 52,345 141 99
    19 52,487 142 99
    20 52,628 142 99
    TOTAL $2,770 $1,939
  • 2
    LOCAL CD
    0.20%
    -
    $50,000
    60 Month
    Bank
    0.22x (National Avg. - 0.93%)
    $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
  • 3
    LOCAL MONEY MARKET
    0.18%
    -
    $50,000
    N.A.
    Bank
    0.19x (National Avg. - 0.93%)
    $10,000
     
    SCENARIO
    Year Rate
    0.18%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 88 61
    2 50,088 88 61
    3 50,175 88 61
    4 50,263 88 62
    5 50,351 88 62
    6 50,439 88 62
    7 50,527 88 62
    8 50,616 89 62
    9 50,704 89 62
    10 50,793 89 62
    11 50,882 89 62
    12 50,971 89 62
    13 51,060 89 63
    14 51,150 90 63
    15 51,239 90 63
    16 51,329 90 63
    17 51,419 90 63
    18 51,509 90 63
    19 51,599 90 63
    20 51,689 90 63
    TOTAL $1,779 $1,246
  • 4
    LOCAL MONEY MARKET
    0.20%
    -
    $50,000
    N.A.
    Bank
    0.22x (National Avg. - 0.93%)
    $25,000
     
    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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.10% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.81% on April 27.

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    Early Withdrawal Penalty is 90 days interest.

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