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Comparison of Deposit Account from Commerce State Bank with 0.65% - October 2026


Long-Term Analysis of FlatIrons Bank with 0.50% APY and MAUI COUNTY with 1.00% APY and RICHFIELD-BLOOMINGTON with 0.53% APY and First Bank with 0.55% APY and DEL NORTE with 4.18% APY and AMERICU with 3.50% APY and Commerce State Bank with 0.65% 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
    FlatIrons Bank
    0.50%
    -
    $50,000
    24 Month
    Bank
    0.75x (National Avg. - 0.67%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 2
    LOCAL CD
    MAUI COUNTY
    1.00%
    -
    $50,000
    60 Month
    Credit Union
    1.08x (National Avg. - 0.93%)
    $10,000
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707
  • 3
    LOCAL CD
    RICHFIELD-BLOOMINGTON
    0.53%
    -
    $50,000
    36 Month
    Credit Union
    0.70x (National Avg. - 0.76%)
    $10,000
     
    SCENARIO
    Year Rate
    0.53%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 265 186
    2 50,265 266 186
    3 50,531 268 187
    4 50,799 269 188
    5 51,068 271 189
    6 51,339 272 190
    7 51,611 274 191
    8 51,885 275 192
    9 52,160 276 194
    10 52,436 278 195
    11 52,714 279 196
    12 52,993 281 197
    13 53,274 282 198
    14 53,557 284 199
    15 53,841 285 200
    16 54,126 287 201
    17 54,413 288 202
    18 54,701 290 203
    19 54,991 291 204
    20 55,283 293 205
    TOTAL $5,576 $3,903
  • 4
    LOCAL CD
    First Bank
    0.55%
    -
    $50,000
    60 Month
    Bank
    0.59x (National Avg. - 0.93%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 276 193
    2 50,276 278 194
    3 50,554 279 195
    4 50,833 281 196
    5 51,113 282 198
    6 51,395 284 199
    7 51,679 285 200
    8 51,964 287 201
    9 52,251 288 202
    10 52,540 290 203
    11 52,830 292 204
    12 53,121 293 205
    13 53,414 295 206
    14 53,709 296 208
    15 54,006 298 209
    16 54,304 300 210
    17 54,604 301 211
    18 54,905 303 212
    19 55,208 305 213
    20 55,513 306 215
    TOTAL $5,819 $4,073
  • 5
    LOCAL CD
    DEL NORTE
    4.18%
    -
    $50,000
    24 Month
    Credit Union
    6.29x (National Avg. - 0.67%)
    $100,000
     
    SCENARIO
    Year Rate
    4.18%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,090 1,463
    2 52,090 2,177 1,524
    3 54,267 2,268 1,588
    4 56,536 2,363 1,654
    5 58,899 2,462 1,723
    6 61,361 2,565 1,795
    7 63,926 2,672 1,870
    8 66,598 2,784 1,949
    9 69,382 2,900 2,030
    10 72,282 3,021 2,115
    11 75,303 3,148 2,203
    12 78,451 3,279 2,295
    13 81,730 3,416 2,391
    14 85,146 3,559 2,491
    15 88,706 3,708 2,596
    16 92,413 3,863 2,704
    17 96,276 4,024 2,817
    18 100,301 4,193 2,935
    19 104,493 4,368 3,057
    20 108,861 4,550 3,185
    TOTAL $63,411 $44,388
  • 6
    LOCAL CD
    AMERICU
    3.50%
    -
    $50,000
    36 Month
    Credit Union
    4.61x (National Avg. - 0.76%)
    $500
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 7
    LOCAL CD
    Commerce State Bank
    0.65%
    -
    $50,000
    60 Month
    Bank
    0.70x (National Avg. - 0.93%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842

    All calculations are for demonstration purposes only.

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