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Comparison of Deposit Account from Farmers and Merchants State Bank of Alpha with 0.30% - November 2026


Long-Term Analysis of Citizens State Bank of Woodville, Texas with 1.24% APY and Farmers and Merchants State Bank of Alpha with 0.30% 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
    Citizens State Bank of Woodville, Texas
    1.24%
    -
    $50,000
    48 Month
    Bank
    1.51x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    1.24%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 622 435
    2 50,622 629 440
    3 51,251 637 446
    4 51,888 645 451
    5 52,533 653 457
    6 53,186 661 463
    7 53,847 669 469
    8 54,516 678 474
    9 55,194 686 480
    10 55,880 695 486
    11 56,574 703 492
    12 57,278 712 498
    13 57,990 721 505
    14 58,710 730 511
    15 59,440 739 517
    16 60,179 748 524
    17 60,927 757 530
    18 61,684 767 537
    19 62,451 776 543
    20 63,227 786 550
    TOTAL $14,013 $9,809
  • 2
    LOCAL CD
    Farmers and Merchants State Bank of Alpha
    0.30%
    -
    $50,000
    12 Month
    Bank
    0.54x (National Avg. - 0.55%)
    $10,000
     
    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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.10% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.81% on April 27.

    Last change: ↑0.80% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.78% on April 27.
    Early Withdrawal Penalty is 90 days interest.

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