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Comparison of Deposit Account from Dacotah Bank with 0.60% - May 2025


Long-Term Analysis of First Federal Savings and Loan Association of Bath with 0.15% APY and Prairie Community Bank with 1.85% APY and Dacotah Bank with 0.60% 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
    N.A.
    First Federal Savings and Loan Association of Bath
    0.15%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $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
  • 2
    LOCAL CD
    Prairie Community Bank
    1.85%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    1.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 925 648
    2 50,925 942 659
    3 51,867 960 672
    4 52,827 977 684
    5 53,804 995 697
    6 54,799 1,014 710
    7 55,813 1,033 723
    8 56,846 1,052 736
    9 57,897 1,071 750
    10 58,968 1,091 764
    11 60,059 1,111 778
    12 61,170 1,132 792
    13 62,302 1,153 807
    14 63,455 1,174 822
    15 64,629 1,196 837
    16 65,824 1,218 852
    17 67,042 1,240 868
    18 68,282 1,263 884
    19 69,545 1,287 901
    20 70,832 1,310 917
    TOTAL $22,142 $15,500
  • 3
    LOCAL CD
    Dacotah Bank
    0.60%
    -
    $50,000
    24 Month
    Bank
    0.91x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448

    All calculations are for demonstration purposes only.

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