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Comparison of Deposit Account from Citizens State Bank with 0.80% - October 2025


Long-Term Analysis of Citizens State Bank with 0.80% APY and Citizens State Bank with 0.70% 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
    Citizens State Bank
    0.80%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,802 406 284
    4 51,208 409 286
    5 51,617 412 289
    6 52,030 416 291
    7 52,445 419 293
    8 52,864 422 296
    9 53,287 426 298
    10 53,713 429 300
    11 54,142 433 303
    12 54,574 436 305
    13 55,010 440 308
    14 55,450 443 310
    15 55,893 447 313
    16 56,340 450 315
    17 56,790 454 318
    18 57,243 457 320
    19 57,701 461 323
    20 58,162 465 325
    TOTAL $8,627 $6,039
  • 2
    LOCAL CD
    Citizens State Bank
    0.70%
    -
    $50,000
    12 Month
    Bank
    1.28x (National Avg. - 0.55%)
    $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

    All calculations are for demonstration purposes only.

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    Last Update on October 30, 2025

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