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Comparison of Deposit Account from Citizens Bank of Eldon with 0.70% - August 2025


Long-Term Analysis of First Citizens Community Bank with 0.55% APY and The Farmers & Merchants Bank with 0.20% APY and Thomaston Savings Bank with 0.40% APY and Bank of Eastman with 0.80% APY and INDIANA MEMBERS with 1.16% APY and New Century Bank with 0.30% APY and The Kearny County Bank with 0.60% APY and Silver Lake Bank with 0.25% APY and Citizens Bank of Eldon with 0.70% APY and Lamar Bank and Trust Company with 0.25% APY and METRO CU with 1.25% APY and Newtek Bank, National Association with 4.20% APY and Abacus Federal Savings Bank with 0.55% APY and Cross County Savings Bank with 2.15% APY and CNB Bank with 0.49% APY and Wayne Bank with 0.80% APY and Citizens Bank of Lafayette with 0.35% 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
    First Citizens Community Bank
    0.55%
    -
    $50,000
    18 Month
    Bank
    0.95x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 2
    LOCAL CD
    The Farmers & Merchants Bank
    0.20%
    -
    $50,000
    6 Month
    Bank
    0.49x (National Avg. - 0.41%)
    $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 CD
    Thomaston Savings Bank
    0.40%
    -
    $50,000
    6 Month
    Bank
    0.98x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 4
    LOCAL CD
    Bank of Eastman
    0.80%
    -
    $50,000
    36 Month
    Bank
    1.06x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 5
    LOCAL CD
    INDIANA MEMBERS
    1.16%
    -
    $50,000
    48 Month
    Credit Union
    1.42x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.16%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 580 406
    2 50,580 587 411
    3 51,167 594 415
    4 51,760 600 420
    5 52,361 607 425
    6 52,968 614 430
    7 53,582 622 435
    8 54,204 629 440
    9 54,833 636 445
    10 55,469 643 450
    11 56,112 651 456
    12 56,763 658 461
    13 57,422 666 466
    14 58,088 674 472
    15 58,762 682 477
    16 59,443 690 483
    17 60,133 698 488
    18 60,830 706 494
    19 61,536 714 500
    20 62,250 722 505
    TOTAL $12,972 $9,080
  • 6
    LOCAL CD
    New Century Bank
    0.30%
    -
    $50,000
    12 Month
    Bank
    0.54x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 7
    LOCAL CD
    The Kearny County Bank
    0.60%
    -
    $50,000
    60 Month
    Bank
    0.65x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 8
    LOCAL CD
    Silver Lake Bank
    0.25%
    -
    $50,000
    12 Month
    Bank
    0.45x (National Avg. - 0.55%)
    $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
  • 9
    LOCAL CD
    Citizens Bank of Eldon
    0.70%
    -
    $50,000
    6 Month
    Bank
    1.71x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 10
    LOCAL CD
    Lamar Bank and Trust Company
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.61x (National Avg. - 0.41%)
    $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
  • 11
    LOCAL CD
    METRO CU
    1.25%
    -
    $50,000
    48 Month
    Credit Union
    1.53x (National Avg. - 0.82%)
    $10,000
     
    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
  • 12
    LOCAL CD
    Newtek Bank, National Association
    4.20%
    -
    $50,000
    24 Month
    Bank
    6.36x (National Avg. - 0.66%)
    $2,500
     
    SCENARIO
    Year Rate
    4.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,100 1,470
    2 52,100 2,188 1,532
    3 54,288 2,280 1,596
    4 56,568 2,376 1,663
    5 58,944 2,476 1,733
    6 61,420 2,580 1,806
    7 63,999 2,688 1,882
    8 66,687 2,801 1,961
    9 69,488 2,919 2,043
    10 72,407 3,041 2,129
    11 75,448 3,169 2,218
    12 78,617 3,302 2,311
    13 81,919 3,441 2,408
    14 85,359 3,585 2,510
    15 88,944 3,736 2,615
    16 92,680 3,893 2,725
    17 96,573 4,056 2,839
    18 100,629 4,226 2,958
    19 104,855 4,404 3,083
    20 109,259 4,589 3,212
    TOTAL $63,848 $44,693
  • 13
    LOCAL CD
    Abacus Federal Savings Bank
    0.55%
    -
    $50,000
    60 Month
    Bank
    0.60x (National Avg. - 0.92%)
    $1,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 14
    LOCAL CD
    Cross County Savings Bank
    2.15%
    -
    $50,000
    6 Month
    Bank
    5.26x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    2.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,075 753
    2 51,075 1,098 769
    3 52,173 1,122 785
    4 53,295 1,146 802
    5 54,441 1,170 819
    6 55,611 1,196 837
    7 56,807 1,221 855
    8 58,028 1,248 873
    9 59,276 1,274 892
    10 60,550 1,302 911
    11 61,852 1,330 931
    12 63,182 1,358 951
    13 64,540 1,388 971
    14 65,928 1,417 992
    15 67,345 1,448 1,014
    16 68,793 1,479 1,035
    17 70,272 1,511 1,058
    18 71,783 1,543 1,080
    19 73,326 1,577 1,104
    20 74,903 1,610 1,127
    TOTAL $26,513 $18,559
  • 15
    LOCAL CD
    CNB Bank
    0.49%
    -
    $50,000
    24 Month
    Bank
    0.74x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.49%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 245 172
    2 50,245 246 172
    3 50,491 247 173
    4 50,739 249 174
    5 50,987 250 175
    6 51,237 251 176
    7 51,488 252 177
    8 51,740 254 177
    9 51,994 255 178
    10 52,249 256 179
    11 52,505 257 180
    12 52,762 259 181
    13 53,021 260 182
    14 53,280 261 183
    15 53,541 262 184
    16 53,804 264 185
    17 54,067 265 185
    18 54,332 266 186
    19 54,599 268 187
    20 54,866 269 188
    TOTAL $5,135 $3,594
  • 16
    LOCAL CD
    Wayne Bank
    0.80%
    -
    $50,000
    60 Month
    Bank
    0.87x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 17
    LOCAL CD
    Citizens Bank of Lafayette
    0.35%
    -
    $50,000
    6 Month
    Bank
    0.86x (National Avg. - 0.41%)
    $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

    All calculations are for demonstration purposes only.

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