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Comparison of Deposit Account from Exchange Bank and Trust Company with 1.00% - December 2025


Long-Term Analysis of NATIONAL INSTITUTES OF HEALTH with 0.45% APY and Exchange Bank and Trust Company with 1.00% APY and HORIZON with 0.80% 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
    NATIONAL INSTITUTES OF HEALTH
    0.45%
    -
    $50,000
    6 Month
    Credit Union
    1.11x (National Avg. - 0.41%)
    $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
  • 2
    LOCAL CD
    Exchange Bank and Trust Company
    1.00%
    -
    $50,000
    18 Month
    Bank
    1.73x (National Avg. - 0.58%)
    $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
    HORIZON
    0.80%
    -
    $50,000
    36 Month
    Credit Union
    1.07x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 401 281
    2 50,401 404 283
    3 50,805 407 285
    4 51,213 411 288
    5 51,623 414 290
    6 52,037 417 292
    7 52,455 421 294
    8 52,875 424 297
    9 53,300 427 299
    10 53,727 431 302
    11 54,158 434 304
    12 54,592 438 306
    13 55,030 441 309
    14 55,471 445 311
    15 55,916 448 314
    16 56,365 452 316
    17 56,817 456 319
    18 57,272 459 322
    19 57,732 463 324
    20 58,195 467 327
    TOTAL $8,661 $6,063

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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    Early Withdrawal Penalty is 6 months interest.

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    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

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