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Comparison of Deposit Account from Citizens Bank with 0.20% - June 2025


Long-Term Analysis of Farmers State Bank with 0.60% APY and KANSAS CITY with 0.35% APY and GARDEN STATE with 1.01% APY and High Plains Bank with 0.01% APY and Citizens Bank with 0.20% APY and Lake Shore Savings Bank with 3.11% 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
    Farmers State Bank
    0.60%
    -
    $50,000
    24 Month
    Bank
    0.91x (National Avg. - 0.66%)
    $100,000
     
    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
  • 2
    LOCAL CD
    KANSAS CITY
    0.35%
    -
    $50,000
    24 Month
    Credit Union
    0.53x (National Avg. - 0.66%)
    $500
     
    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
  • 3
    LOCAL CD
    GARDEN STATE
    1.01%
    -
    $50,000
    60 Month
    Credit Union
    1.10x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 505 354
    2 50,505 510 357
    3 51,015 515 361
    4 51,530 520 364
    5 52,051 526 368
    6 52,577 531 372
    7 53,108 536 375
    8 53,644 542 379
    9 54,186 547 383
    10 54,733 553 387
    11 55,286 558 391
    12 55,844 564 395
    13 56,408 570 399
    14 56,978 575 403
    15 57,553 581 407
    16 58,135 587 411
    17 58,722 593 415
    18 59,315 599 419
    19 59,914 605 424
    20 60,519 611 428
    TOTAL $11,130 $7,791
  • 4
    LOCAL CD
    High Plains Bank
    0.01%
    -
    $50,000
    18 Month
    Bank
    0.01x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 3 2
    2 50,003 3 2
    3 50,006 3 2
    4 50,009 3 2
    5 50,012 3 2
    6 50,015 3 2
    7 50,018 3 2
    8 50,021 3 2
    9 50,024 3 2
    10 50,027 3 2
    11 50,030 3 2
    12 50,033 3 2
    13 50,036 3 2
    14 50,039 3 2
    15 50,042 3 2
    16 50,045 3 2
    17 50,048 3 2
    18 50,051 3 2
    19 50,054 3 2
    20 50,057 3 2
    TOTAL $60 $42
  • 5
    LOCAL CD
    Citizens 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
  • 6
    LOCAL CD
    Lake Shore Savings Bank
    3.11%
    -
    $50,000
    55 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    3.11%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,555 1,089
    2 51,555 1,603 1,122
    3 53,158 1,653 1,157
    4 54,812 1,705 1,193
    5 56,516 1,758 1,230
    6 58,274 1,812 1,269
    7 60,086 1,869 1,308
    8 61,955 1,927 1,349
    9 63,882 1,987 1,391
    10 65,868 2,049 1,434
    11 67,917 2,112 1,479
    12 70,029 2,178 1,525
    13 72,207 2,246 1,572
    14 74,453 2,315 1,621
    15 76,768 2,387 1,671
    16 79,156 2,462 1,723
    17 81,617 2,538 1,777
    18 84,156 2,617 1,832
    19 86,773 2,699 1,889
    20 89,472 2,783 1,948
    TOTAL $42,254 $29,578

    All calculations are for demonstration purposes only.

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