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Comparison of Deposit Account from Citizens Bank of Las Cruces with 0.85% - October 2025


Long-Term Analysis of Citizens Bank of Las Cruces with 0.85% APY and Citizens Bank of Las Cruces with 0.95% APY and Minster Bank with 0.25% APY and NOBLE with 0.10% APY and XCEED FINANCIAL with 0.05% APY and Peach State Bank & Trust with 0.70% APY and First Federal Savings and Loan Association of Central Illinois, S.B. with 0.50% APY and SOLUTIONS NORTH BANK with 0.70% APY and Main Street Bank with 0.75% APY and BayVanguard Bank with 0.49% APY and CO-OP CREDIT UNION OF MONTEVIDEO with 1.45% APY and WEST METRO SCHOOLS with 1.21% APY and BNC National Bank with 0.45% APY and First Westroads Bank, Inc. with 1.00% APY and Bank of Utica with 4.15% APY and The Antwerp Exchange Bank Company with 0.50% APY and TriStar Bank with 0.60% APY and HEALTHCARE SYSTEMS with 0.25% APY and JUSTICE with 0.05% APY and INROADS with 0.99% APY and INROADS with 0.77% APY and INROADS with 1.76% APY and SAFEAMERICA with 0.05% 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
    Citizens Bank of Las Cruces
    0.85%
    -
    $50,000
    24 Month
    Bank
    1.29x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 2
    LOCAL CD
    Citizens Bank of Las Cruces
    0.95%
    -
    $50,000
    36 Month
    Bank
    1.26x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 3
    LOCAL CD
    Minster Bank
    0.25%
    -
    $50,000
    18 Month
    Bank
    0.43x (National Avg. - 0.58%)
    $100,000
     
    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
  • 4
    LOCAL MONEY MARKET
    NOBLE
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.17x (National Avg. - 0.58%)
    $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
  • 5
    LOCAL SAVINGS
    XCEED FINANCIAL
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.23x (National Avg. - 0.22%)
    $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
  • 6
    LOCAL CD
    Peach State Bank & Trust
    0.70%
    -
    $50,000
    48 Month
    Bank
    0.86x (National Avg. - 0.82%)
    $10,000
     
    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
  • 7
    LOCAL CD
    First Federal Savings and Loan Association of Central Illinois, S.B.
    0.50%
    -
    $50,000
    6 Month
    Bank
    1.23x (National Avg. - 0.41%)
    $100,000
     
    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
  • 8
    LOCAL CD
    SOLUTIONS NORTH BANK
    0.70%
    -
    $50,000
    18 Month
    Bank
    1.21x (National Avg. - 0.58%)
    $1,000
     
    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
  • 9
    LOCAL CD
    Main Street Bank
    0.75%
    -
    $50,000
    48 Month
    Bank
    0.92x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 10
    LOCAL CD
    BayVanguard Bank
    0.49%
    -
    $50,000
    36 Month
    Bank
    0.65x (National Avg. - 0.75%)
    $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
  • 11
    LOCAL CD
    CO-OP CREDIT UNION OF MONTEVIDEO
    1.45%
    -
    $50,000
    36 Month
    Credit Union
    1.93x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 725 508
    2 50,725 736 515
    3 51,461 746 522
    4 52,207 757 530
    5 52,964 768 538
    6 53,732 779 545
    7 54,511 790 553
    8 55,301 802 561
    9 56,103 813 569
    10 56,917 825 578
    11 57,742 837 586
    12 58,579 849 595
    13 59,428 862 603
    14 60,290 874 612
    15 61,164 887 621
    16 62,051 900 630
    17 62,951 913 639
    18 63,864 926 648
    19 64,790 939 658
    20 65,729 953 667
    TOTAL $16,682 $11,678
  • 12
    LOCAL CD
    WEST METRO SCHOOLS
    1.21%
    -
    $50,000
    12 Month
    Credit Union
    2.21x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    1.21%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 605 424
    2 50,605 612 429
    3 51,217 620 434
    4 51,837 627 439
    5 52,464 635 444
    6 53,099 642 450
    7 53,742 650 455
    8 54,392 658 461
    9 55,050 666 466
    10 55,716 674 472
    11 56,390 682 478
    12 57,073 691 483
    13 57,763 699 489
    14 58,462 707 495
    15 59,170 716 501
    16 59,885 725 507
    17 60,610 733 513
    18 61,343 742 520
    19 62,086 751 526
    20 62,837 760 532
    TOTAL $13,597 $9,518
  • 13
    LOCAL CD
    BNC National Bank
    0.45%
    -
    $50,000
    48 Month
    Bank
    0.55x (National Avg. - 0.82%)
    $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
    First Westroads Bank, Inc.
    1.00%
    -
    $50,000
    48 Month
    Bank
    1.23x (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
  • 15
    LOCAL CD
    Bank of Utica
    4.15%
    -
    $50,000
    60 Month
    Bank
    4.51x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    4.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,075 1,453
    2 52,075 2,161 1,513
    3 54,236 2,251 1,576
    4 56,487 2,344 1,641
    5 58,831 2,441 1,709
    6 61,273 2,543 1,780
    7 63,815 2,648 1,854
    8 66,464 2,758 1,931
    9 69,222 2,873 2,011
    10 72,095 2,992 2,094
    11 75,087 3,116 2,181
    12 78,203 3,245 2,272
    13 81,448 3,380 2,366
    14 84,828 3,520 2,464
    15 88,349 3,666 2,567
    16 92,015 3,819 2,673
    17 95,834 3,977 2,784
    18 99,811 4,142 2,900
    19 103,953 4,314 3,020
    20 108,267 4,493 3,145
    TOTAL $62,760 $43,932
  • 16
    LOCAL CD
    The Antwerp Exchange Bank Company
    0.50%
    -
    $50,000
    18 Month
    Bank
    0.87x (National Avg. - 0.58%)
    $100,000
     
    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
  • 17
    LOCAL CD
    TriStar Bank
    0.60%
    -
    $50,000
    18 Month
    Bank
    1.04x (National Avg. - 0.58%)
    $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
  • 18
    LOCAL MONEY MARKET
    HEALTHCARE SYSTEMS
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    0.43x (National Avg. - 0.58%)
    $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
  • 19
    LOCAL SAVINGS
    JUSTICE
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.23x (National Avg. - 0.22%)
    $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
  • 20
    LOCAL SAVINGS
    INROADS
    0.99%
    -
    $50,000
    N.A.
    Credit Union
    4.48x (National Avg. - 0.22%)
    $0
     
    SCENARIO
    Year Rate
    0.99%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 495 347
    2 50,495 500 350
    3 50,995 505 353
    4 51,500 510 357
    5 52,010 515 360
    6 52,524 520 364
    7 53,044 525 368
    8 53,570 530 371
    9 54,100 536 375
    10 54,636 541 379
    11 55,176 546 382
    12 55,723 552 386
    13 56,274 557 390
    14 56,831 563 394
    15 57,394 568 398
    16 57,962 574 402
    17 58,536 580 406
    18 59,116 585 410
    19 59,701 591 414
    20 60,292 597 418
    TOTAL $10,889 $7,622
  • 21
    LOCAL SAVINGS
    INROADS
    0.77%
    -
    $50,000
    N.A.
    Credit Union
    3.48x (National Avg. - 0.22%)
    $10,001
     
    SCENARIO
    Year Rate
    0.77%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 385 270
    2 50,385 388 272
    3 50,773 391 274
    4 51,164 394 276
    5 51,558 397 278
    6 51,955 400 280
    7 52,355 403 282
    8 52,758 406 284
    9 53,164 409 287
    10 53,574 413 289
    11 53,986 416 291
    12 54,402 419 293
    13 54,821 422 295
    14 55,243 425 298
    15 55,668 429 300
    16 56,097 432 302
    17 56,529 435 305
    18 56,964 439 307
    19 57,403 442 309
    20 57,845 445 312
    TOTAL $8,290 $5,803
  • 22
    LOCAL CD
    INROADS
    1.76%
    -
    $50,000
    60 Month
    Credit Union
    1.91x (National Avg. - 0.92%)
    $25,000
     
    SCENARIO
    Year Rate
    1.76%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 880 616
    2 50,880 895 627
    3 51,775 911 638
    4 52,687 927 649
    5 53,614 944 661
    6 54,558 960 672
    7 55,518 977 684
    8 56,495 994 696
    9 57,489 1,012 708
    10 58,501 1,030 721
    11 59,531 1,048 733
    12 60,578 1,066 746
    13 61,645 1,085 759
    14 62,730 1,104 773
    15 63,834 1,123 786
    16 64,957 1,143 800
    17 66,100 1,163 814
    18 67,264 1,184 829
    19 68,448 1,205 843
    20 69,652 1,226 858
    TOTAL $20,878 $14,615
  • 23
    LOCAL SAVINGS
    SAFEAMERICA
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.23x (National Avg. - 0.22%)
    $200
     
    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

    All calculations are for demonstration purposes only.

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