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Comparison of Deposit Account from Field & Main Bank with 0.80% - December 2025


Long-Term Analysis of FMS Bank with 0.75% APY and ALIVE with 1.17% APY and SUN with 0.27% APY and FNB Bank with 0.15% APY and The Fowler State Bank with 1.01% APY and Union State Bank with 0.95% APY and Flint Hills Bank with 1.15% APY and Field & Main Bank with 0.80% APY and Field & Main Bank with 0.85% APY and Field & Main Bank with 0.30% APY and ARRHA with 0.70% APY and FIRST COMMUNITY with 2.85% APY and SIGNATURE with 3.61% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    FMS Bank
    0.75%
    -
    $50,000
    12 Month
    Bank
    1.37x (National Avg. - 0.55%)
    $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
  • 2
    LOCAL CD
    ALIVE
    1.17%
    -
    $50,000
    48 Month
    Credit Union
    1.43x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.17%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 585 410
    2 50,585 592 414
    3 51,177 599 419
    4 51,776 606 424
    5 52,381 613 429
    6 52,994 620 434
    7 53,614 627 439
    8 54,242 635 444
    9 54,876 642 449
    10 55,518 650 455
    11 56,168 657 460
    12 56,825 665 465
    13 57,490 673 471
    14 58,162 681 476
    15 58,843 688 482
    16 59,531 697 488
    17 60,228 705 493
    18 60,933 713 499
    19 61,646 721 505
    20 62,367 730 511
    TOTAL $13,096 $9,168
  • 3
    LOCAL MONEY MARKET
    SUN
    0.27%
    -
    $50,000
    N.A.
    Credit Union
    0.33x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.27%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 135 95
    2 50,135 135 95
    3 50,270 136 95
    4 50,406 136 95
    5 50,542 136 96
    6 50,679 137 96
    7 50,815 137 96
    8 50,953 138 96
    9 51,090 138 97
    10 51,228 138 97
    11 51,367 139 97
    12 51,505 139 97
    13 51,644 139 98
    14 51,784 140 98
    15 51,924 140 98
    16 52,064 141 98
    17 52,204 141 99
    18 52,345 141 99
    19 52,487 142 99
    20 52,628 142 99
    TOTAL $2,770 $1,939
  • 4
    LOCAL CD
    FNB Bank
    0.15%
    -
    $50,000
    6 Month
    Bank
    0.37x (National Avg. - 0.41%)
    $100,000
     
    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
  • 5
    LOCAL CD
    The Fowler State Bank
    1.01%
    -
    $50,000
    60 Month
    Bank
    1.10x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 505 354
    2 50,505 510 357
    3 51,015 515 361
    4 51,530 520 364
    5 52,051 526 368
    6 52,577 531 372
    7 53,108 536 375
    8 53,644 542 379
    9 54,186 547 383
    10 54,733 553 387
    11 55,286 558 391
    12 55,844 564 395
    13 56,408 570 399
    14 56,978 575 403
    15 57,553 581 407
    16 58,135 587 411
    17 58,722 593 415
    18 59,315 599 419
    19 59,914 605 424
    20 60,519 611 428
    TOTAL $11,130 $7,791
  • 6
    LOCAL CD
    Union State Bank
    0.95%
    -
    $50,000
    60 Month
    Bank
    1.03x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 7
    LOCAL CD
    Flint Hills Bank
    1.15%
    -
    $50,000
    60 Month
    Bank
    1.25x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 575 403
    2 50,575 582 407
    3 51,157 588 412
    4 51,745 595 417
    5 52,340 602 421
    6 52,942 609 426
    7 53,551 616 431
    8 54,167 623 436
    9 54,789 630 441
    10 55,420 637 446
    11 56,057 645 451
    12 56,702 652 456
    13 57,354 660 462
    14 58,013 667 467
    15 58,680 675 472
    16 59,355 683 478
    17 60,038 690 483
    18 60,728 698 489
    19 61,427 706 494
    20 62,133 715 500
    TOTAL $12,847 $8,993
  • 8
    LOCAL CD
    Field & Main Bank
    0.80%
    -
    $50,000
    36 Month
    Bank
    1.06x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 9
    LOCAL CD
    Field & Main Bank
    0.85%
    -
    $50,000
    48 Month
    Bank
    1.04x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 10
    LOCAL MONEY MARKET
    Field & Main Bank
    0.30%
    -
    $50,000
    N.A.
    Bank
    0.37x (National Avg. - 0.82%)
    $25,000
     
    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
  • 11
    LOCAL CD
    ARRHA
    0.70%
    -
    $50,000
    36 Month
    Credit Union
    0.93x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 12
    LOCAL CD
    FIRST COMMUNITY
    2.85%
    -
    $50,000
    18 Month
    Credit Union
    4.93x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    2.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,425 998
    2 51,425 1,466 1,026
    3 52,891 1,507 1,055
    4 54,398 1,550 1,085
    5 55,948 1,595 1,116
    6 57,543 1,640 1,148
    7 59,183 1,687 1,181
    8 60,870 1,735 1,214
    9 62,604 1,784 1,249
    10 64,389 1,835 1,285
    11 66,224 1,887 1,321
    12 68,111 1,941 1,359
    13 70,052 1,996 1,398
    14 72,049 2,053 1,437
    15 74,102 2,112 1,478
    16 76,214 2,172 1,520
    17 78,386 2,234 1,564
    18 80,620 2,298 1,608
    19 82,918 2,363 1,654
    20 85,281 2,431 1,701
    TOTAL $37,711 $26,398
  • 13
    LOCAL CD
    SIGNATURE
    3.61%
    -
    $50,000
    18 Month
    Credit Union
    6.25x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    3.61%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,805 1,264
    2 51,805 1,870 1,309
    3 53,675 1,938 1,356
    4 55,613 2,008 1,405
    5 57,620 2,080 1,456
    6 59,701 2,155 1,509
    7 61,856 2,233 1,563
    8 64,089 2,314 1,620
    9 66,402 2,397 1,678
    10 68,799 2,484 1,739
    11 71,283 2,573 1,801
    12 73,856 2,666 1,866
    13 76,523 2,762 1,934
    14 79,285 2,862 2,004
    15 82,147 2,966 2,076
    16 85,113 3,073 2,151
    17 88,185 3,183 2,228
    18 91,369 3,298 2,309
    19 94,667 3,417 2,392
    20 98,085 3,541 2,479
    TOTAL $51,626 $36,138

    All calculations are for demonstration purposes only.

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