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Comparison of Deposit Account from Citizens First Bank with 2.28% - July 2025


Long-Term Analysis of FNBT BANK with 0.30% APY and Trustmark National Bank with 0.03% APY and Citizens First Bank with 2.28% 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 SAVINGS
    FNBT BANK
    0.30%
    -
    $50,000
    N.A.
    Bank
    1.33x (National Avg. - 0.23%)
    $2,500
     
    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
  • 2
    LOCAL SAVINGS
    Trustmark National Bank
    0.03%
    -
    $50,000
    N.A.
    Bank
    0.13x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 3
    LOCAL MONEY MARKET
    Citizens First Bank
    2.28%
    -
    $50,000
    N.A.
    Bank
    10.13x (National Avg. - 0.23%)
    $1,000,000
     
    SCENARIO
    Year Rate
    2.28%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,140 798
    2 51,140 1,166 816
    3 52,306 1,193 835
    4 53,499 1,220 854
    5 54,718 1,248 873
    6 55,966 1,276 893
    7 57,242 1,305 914
    8 58,547 1,335 934
    9 59,882 1,365 956
    10 61,247 1,396 978
    11 62,644 1,428 1,000
    12 64,072 1,461 1,023
    13 65,533 1,494 1,046
    14 67,027 1,528 1,070
    15 68,555 1,563 1,094
    16 70,118 1,599 1,119
    17 71,717 1,635 1,145
    18 73,352 1,672 1,171
    19 75,024 1,711 1,197
    20 76,735 1,750 1,225
    TOTAL $28,485 $19,939

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

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    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.

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