Compare Savings vs. CDs
Comparison of Deposit Account from Commercial Bank & Trust Company of Arkansas with 0.25% - October 2026


Long-Term Analysis of Commercial Bank & Trust Company of Arkansas with 0.25% APY and Farmers and Merchants State Bank of Bushnell with 0.35% 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
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.62x (National Avg. - 0.40%)
    $100,000
     
    SCENARIO
    Year Rate
    0.25%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 126 88
    2 50,126 126 88
    3 50,252 127 89
    4 50,379 127 89
    5 50,506 127 89
    6 50,633 128 89
    7 50,761 128 90
    8 50,889 128 90
    9 51,017 129 90
    10 51,145 129 90
    11 51,274 129 90
    12 51,404 130 91
    13 51,533 130 91
    14 51,663 130 91
    15 51,793 131 91
    16 51,924 131 92
    17 52,055 131 92
    18 52,186 132 92
    19 52,317 132 92
    20 52,449 132 93
    TOTAL $2,581 $1,807
  • 2
    LOCAL CD
    0.35%
    -
    $50,000
    36 Month
    Bank
    0.46x (National Avg. - 0.76%)
    $10,000
     
    SCENARIO
    Year Rate
    0.35%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533

    All calculations are for demonstration purposes only.

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    12-Month

    Last change: ↑0.45% on October 1.
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    Last change: ↑0.30% on October 1.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.35% on September 25.