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Comparison of Deposit Account from COLORADO with 4.90% - December 2025

Long-Term Analysis of Sargent County Bank with 0.05% APY and The Gunnison Bank and Trust Company with 0.10% APY and COLORADO with 4.90% APY and Peoples State Bank of Hallettsville with 0.10% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL SAVINGS

Sargent County Bank

0.05%

$50,000

N.A.

Bank

0.22x (National Avg. - 0.23%)

$25

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

LOCAL MONEY MARKET

The Gunnison Bank and Trust Company

0.10%

$50,000

N.A.

Bank

0.44x (National Avg. - 0.23%)

$2,500

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

LOCAL CD

COLORADO

4.90%

$50,000

6 Month

Credit Union

12.13x (National Avg. - 0.40%)

$500

SCENARIO

Year	Rate 4.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,450	1,715
2	52,450	2,570	1,799
3	55,020	2,696	1,887
4	57,716	2,828	1,980
5	60,544	2,967	2,077
6	63,511	3,112	2,178
7	66,623	3,265	2,285
8	69,887	3,424	2,397
9	73,312	3,592	2,515
10	76,904	3,768	2,638
11	80,672	3,953	2,767
12	84,625	4,147	2,903
13	88,772	4,350	3,045
14	93,122	4,563	3,194
15	97,685	4,787	3,351
16	102,471	5,021	3,515
17	107,492	5,267	3,687
18	112,760	5,525	3,868
19	118,285	5,796	4,057
20	124,081	6,080	4,256
	TOTAL	$80,161	$56,112

LOCAL SAVINGS

Peoples State Bank of Hallettsville

0.10%

$50,000

N.A.

Bank

0.44x (National Avg. - 0.23%)

$2,500

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

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Finworth, a division of InsBank	4.20%	$50,000	Learn More
Last change: ↑0.20% on December 7. Early Withdrawal Penalty is 6 months interest.
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.
KS StateBank	4.10%	$500	Learn More
Last change: ↓0.10% on September 17.
Bread Savings, a division of Bread Financial	4.10%	$1,500	Learn More
Last change: ↓0.05% on December 8.

Compare Savings vs. CDs Comparison of Deposit Account from COLORADO with 4.90% - December 2025

Long-Term Analysis of Sargent County Bank with 0.05% APY and The Gunnison Bank and Trust Company with 0.10% APY and COLORADO with 4.90% APY and Peoples State Bank of Hallettsville with 0.10% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from COLORADO with 4.90% - December 2025