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Comparison of Deposit Account from CNB Bank with 0.49% - November 2025


Long-Term Analysis of Luana Savings Bank with 3.73% APY and Luana Savings Bank with 3.89% APY and CNB Bank with 0.49% 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
    Luana Savings Bank
    3.73%
    -
    $50,000
    48 Month
    Bank
    4.55x (National Avg. - 0.82%)
    $2,000
     
    SCENARIO
    Year Rate
    3.73%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,865 1,306
    2 51,865 1,935 1,354
    3 53,800 2,007 1,405
    4 55,806 2,082 1,457
    5 57,888 2,159 1,511
    6 60,047 2,240 1,568
    7 62,287 2,323 1,626
    8 64,610 2,410 1,687
    9 67,020 2,500 1,750
    10 69,520 2,593 1,815
    11 72,113 2,690 1,883
    12 74,803 2,790 1,953
    13 77,593 2,894 2,026
    14 80,487 3,002 2,102
    15 83,489 3,114 2,180
    16 86,604 3,230 2,261
    17 89,834 3,351 2,346
    18 93,185 3,476 2,433
    19 96,660 3,605 2,524
    20 100,266 3,740 2,618
    TOTAL $54,006 $37,804
  • 2
    LOCAL CD
    Luana Savings Bank
    3.89%
    -
    $50,000
    6 Month
    Bank
    9.58x (National Avg. - 0.41%)
    $2,000
     
    SCENARIO
    Year Rate
    3.89%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,945 1,362
    2 51,945 2,021 1,414
    3 53,966 2,099 1,469
    4 56,065 2,181 1,527
    5 58,246 2,266 1,586
    6 60,512 2,354 1,648
    7 62,866 2,445 1,712
    8 65,311 2,541 1,778
    9 67,852 2,639 1,848
    10 70,491 2,742 1,919
    11 73,233 2,849 1,994
    12 76,082 2,960 2,072
    13 79,041 3,075 2,152
    14 82,116 3,194 2,236
    15 85,310 3,319 2,323
    16 88,629 3,448 2,413
    17 92,077 3,582 2,507
    18 95,659 3,721 2,605
    19 99,380 3,866 2,706
    20 103,246 4,016 2,811
    TOTAL $57,262 $40,083
  • 3
    LOCAL CD
    CNB Bank
    0.49%
    -
    $50,000
    24 Month
    Bank
    0.74x (National Avg. - 0.66%)
    $100,000
     
    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

    All calculations are for demonstration purposes only.

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