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Comparison of Deposit Account from CONSOLIDATED with 0.05% - December 2025

Long-Term Analysis of USC with 0.50% APY and DEL-ONE with 0.30% APY and Peoples State Bank with 0.55% APY and Wayne Bank and Trust Co. with 0.45% APY and Bank of Denton with 1.70% APY and PANHANDLE with 0.25% APY and The First National Bank of Manchester with 1.00% APY and Old National Bank with 0.15% APY and DORT FINANCIAL with 1.15% APY and Banterra Bank with 0.35% APY and Eastern Bank with 0.02% APY and FirstBank with 0.10% APY and CONSOLIDATED with 0.05% APY and Orrstown Bank with 0.50% APY and Dairy State Bank with 0.85% APY and The Federal Savings Bank with 5.25% APY and State Bank of India with 3.75% APY and SUMMIT with 1.70% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

USC

0.50%

$50,000

6 Month

Credit Union

1.24x (National Avg. - 0.40%)

$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

LOCAL MONEY MARKET

DEL-ONE

0.30%

$50,000

N.A.

Credit Union

0.74x (National Avg. - 0.40%)

$25,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

Peoples State Bank

0.55%

$50,000

36 Month

Bank

0.73x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

Wayne Bank and Trust Co.

0.45%

$50,000

18 Month

Bank

0.78x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

Bank of Denton

1.70%

$50,000

48 Month

Bank

2.08x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	850	595
2	50,850	864	605
3	51,714	879	615
4	52,594	894	626
5	53,488	909	637
6	54,397	925	647
7	55,322	940	658
8	56,262	956	670
9	57,219	973	681
10	58,191	989	692
11	59,181	1,006	704
12	60,187	1,023	716
13	61,210	1,041	728
14	62,250	1,058	741
15	63,309	1,076	753
16	64,385	1,095	766
17	65,479	1,113	779
18	66,593	1,132	792
19	67,725	1,151	806
20	68,876	1,171	820
	TOTAL	$20,047	$14,033

LOCAL CD

PANHANDLE

0.25%

$50,000

36 Month

Credit Union

0.33x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

The First National Bank of Manchester

1.00%

$50,000

60 Month

Bank

1.08x (National Avg. - 0.92%)

$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

LOCAL CD

Old National Bank

0.15%

$50,000

12 Month

Bank

0.27x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	75	53
2	50,075	75	53
3	50,150	75	53
4	50,225	75	53
5	50,301	75	53
6	50,376	76	53
7	50,452	76	53
8	50,527	76	53
9	50,603	76	53
10	50,679	76	53
11	50,755	76	53
12	50,831	76	53
13	50,907	76	53
14	50,984	76	54
15	51,060	77	54
16	51,137	77	54
17	51,214	77	54
18	51,290	77	54
19	51,367	77	54
20	51,444	77	54
	TOTAL	$1,522	$1,065

LOCAL CD

DORT FINANCIAL

1.15%

$50,000

24 Month

Credit Union

1.75x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

LOCAL CD

Banterra Bank

0.35%

$50,000

12 Month

Bank

0.64x (National Avg. - 0.55%)

$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

LOCAL MONEY MARKET

Eastern Bank

0.02%

$50,000

N.A.

Bank

0.04x (National Avg. - 0.55%)

$2,500

SCENARIO

Year	Rate 0.02%	Annual Interest	Annual Interest (After Tax)
1	50,000	10	7
2	50,010	10	7
3	50,020	10	7
4	50,030	10	7
5	50,040	10	7
6	50,050	10	7
7	50,060	10	7
8	50,070	10	7
9	50,080	10	7
10	50,090	10	7
11	50,100	10	7
12	50,110	10	7
13	50,120	10	7
14	50,130	10	7
15	50,140	10	7
16	50,150	10	7
17	50,160	10	7
18	50,170	10	7
19	50,180	10	7
20	50,190	10	7
	TOTAL	$200	$140

LOCAL MONEY MARKET

FirstBank

0.10%

$50,000

N.A.

Bank

0.18x (National Avg. - 0.55%)

$10,000

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 SAVINGS

CONSOLIDATED

0.05%

$50,000

N.A.

Credit Union

0.22x (National Avg. - 0.23%)

$2,500

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 CD

Orrstown Bank

0.50%

$50,000

60 Month

Bank

0.54x (National Avg. - 0.92%)

$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

LOCAL CD

Dairy State Bank

0.85%

$50,000

18 Month

Bank

1.47x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

The Federal Savings Bank

5.25%

$50,000

24 Month

Bank

7.97x (National Avg. - 0.66%)

$5,000

SCENARIO

Year	Rate 5.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,625	1,838
2	52,625	2,763	1,934
3	55,388	2,908	2,036
4	58,296	3,061	2,142
5	61,356	3,221	2,255
6	64,577	3,390	2,373
7	67,968	3,568	2,498
8	71,536	3,756	2,629
9	75,292	3,953	2,767
10	79,244	4,160	2,912
11	83,405	4,379	3,065
12	87,784	4,609	3,226
13	92,392	4,851	3,395
14	97,243	5,105	3,574
15	102,348	5,373	3,761
16	107,721	5,655	3,959
17	113,377	5,952	4,167
18	119,329	6,265	4,385
19	125,594	6,594	4,616
20	132,187	6,940	4,858
	TOTAL	$89,127	$62,389

LOCAL CD

State Bank of India

3.75%

$50,000

48 Month

Bank

4.58x (National Avg. - 0.82%)

$1,000

SCENARIO

Year	Rate 3.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,875	1,313
2	51,875	1,945	1,362
3	53,820	2,018	1,413
4	55,839	2,094	1,466
5	57,933	2,172	1,521
6	60,105	2,254	1,578
7	62,359	2,338	1,637
8	64,697	2,426	1,698
9	67,124	2,517	1,762
10	69,641	2,612	1,828
11	72,252	2,709	1,897
12	74,962	2,811	1,968
13	77,773	2,916	2,042
14	80,689	3,026	2,118
15	83,715	3,139	2,198
16	86,854	3,257	2,280
17	90,111	3,379	2,365
18	93,491	3,506	2,454
19	96,996	3,637	2,546
20	100,634	3,774	2,642
	TOTAL	$54,408	$38,085

LOCAL MONEY MARKET

SUMMIT

1.70%

$50,000

N.A.

Credit Union

2.08x (National Avg. - 0.82%)

$150,000

SCENARIO

Year	Rate 1.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	850	595
2	50,850	864	605
3	51,714	879	615
4	52,594	894	626
5	53,488	909	637
6	54,397	925	647
7	55,322	940	658
8	56,262	956	670
9	57,219	973	681
10	58,191	989	692
11	59,181	1,006	704
12	60,187	1,023	716
13	61,210	1,041	728
14	62,250	1,058	741
15	63,309	1,076	753
16	64,385	1,095	766
17	65,479	1,113	779
18	66,593	1,132	792
19	67,725	1,151	806
20	68,876	1,171	820
	TOTAL	$20,047	$14,033

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 CONSOLIDATED with 0.05% - December 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from CONSOLIDATED with 0.05% - December 2025