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Comparison of Deposit Account from Exchange Bank with 1.10% - December 2025


Long-Term Analysis of Exchange Bank with 1.10% APY and WILDFIRE with 0.75% APY and First State Bank of Texas with 1.13% 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
    Exchange Bank
    1.10%
    -
    $50,000
    36 Month
    Bank
    1.46x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 550 385
    2 50,550 556 389
    3 51,106 562 394
    4 51,668 568 398
    5 52,237 575 402
    6 52,811 581 407
    7 53,392 587 411
    8 53,979 594 416
    9 54,573 600 420
    10 55,173 607 425
    11 55,780 614 430
    12 56,394 620 434
    13 57,014 627 439
    14 57,641 634 444
    15 58,276 641 449
    16 58,917 648 454
    17 59,565 655 459
    18 60,220 662 464
    19 60,882 670 469
    20 61,552 677 474
    TOTAL $12,229 $8,560
  • 2
    LOCAL CD
    WILDFIRE
    0.75%
    -
    $50,000
    18 Month
    Credit Union
    1.30x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 3
    LOCAL CD
    First State Bank of Texas
    1.13%
    -
    $50,000
    36 Month
    Bank
    1.50x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.13%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 563 394
    2 50,563 569 399
    3 51,132 576 403
    4 51,708 582 408
    5 52,290 589 412
    6 52,879 595 417
    7 53,475 602 421
    8 54,077 609 426
    9 54,686 616 431
    10 55,301 623 436
    11 55,924 630 441
    12 56,554 637 446
    13 57,191 644 451
    14 57,834 651 456
    15 58,486 659 461
    16 59,144 666 466
    17 59,810 673 471
    18 60,484 681 477
    19 61,165 689 482
    20 61,853 696 488
    TOTAL $12,550 $8,785

    All calculations are for demonstration purposes only.

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    ONLINE BANKS APY? MIN?

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