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Comparison of Deposit Account from Farmers Bank of Northern Missouri with 0.68% - December 2025


Long-Term Analysis of Farmers Bank of Northern Missouri with 0.68% APY and Farmers Bank of Northern Missouri with 1.00% APY and Farmers Bank of Northern Missouri with 0.15% APY and Total Bank, a division of City National Bank of Florida with 4.00% 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
    Farmers Bank of Northern Missouri
    0.68%
    -
    $50,000
    12 Month
    Bank
    1.24x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.68%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 340 238
    2 50,340 342 240
    3 50,682 345 241
    4 51,027 347 243
    5 51,374 349 245
    6 51,723 352 246
    7 52,075 354 248
    8 52,429 357 250
    9 52,786 359 251
    10 53,145 361 253
    11 53,506 364 255
    12 53,870 366 256
    13 54,236 369 258
    14 54,605 371 260
    15 54,976 374 262
    16 55,350 376 263
    17 55,726 379 265
    18 56,105 382 267
    19 56,487 384 269
    20 56,871 387 271
    TOTAL $7,258 $5,080
  • 2
    LOCAL CD
    Farmers Bank of Northern Missouri
    1.00%
    -
    $50,000
    36 Month
    Bank
    1.33x (National Avg. - 0.75%)
    $100,000
     
    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 SAVINGS
    Farmers Bank of Northern Missouri
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.67x (National Avg. - 0.23%)
    $2,500
     
    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
  • 4
    ONLINE CD
    Total Bank, a division of City National Bank of Florida
    4.00%
    -
    $50,000
    3 Month
    Online Bank
    1.76x (National Avg. - 2.27%)
    $25,000
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689

    All calculations are for demonstration purposes only.

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    ONLINE BANKS APY? MIN?

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↑0.15% on December 22.

    Last change: ↑0.20% on December 7.

    Last change: ↑0.10% on November 3.
    Early Withdrawal Penalty is 90 days interest.

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