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Comparison of Deposit Account from First Bank Richmond with 0.25% - December 2025


Long-Term Analysis of FINANCIAL BUILDERS with 2.24% APY and First Bank Richmond with 0.25% 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
    FINANCIAL BUILDERS
    2.24%
    -
    $50,000
    48 Month
    Credit Union
    2.74x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    2.24%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,120 784
    2 51,120 1,145 802
    3 52,265 1,171 820
    4 53,436 1,197 838
    5 54,633 1,224 857
    6 55,857 1,251 876
    7 57,108 1,279 895
    8 58,387 1,308 916
    9 59,695 1,337 936
    10 61,032 1,367 957
    11 62,399 1,398 978
    12 63,797 1,429 1,000
    13 65,226 1,461 1,023
    14 66,687 1,494 1,046
    15 68,181 1,527 1,069
    16 69,708 1,561 1,093
    17 71,269 1,596 1,118
    18 72,866 1,632 1,143
    19 74,498 1,669 1,168
    20 76,167 1,706 1,194
    TOTAL $27,873 $19,511
  • 2
    LOCAL CD
    First Bank Richmond
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.62x (National Avg. - 0.40%)
    $10,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

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

    Last change: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.

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