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Comparison of Deposit Account from First Bank & Trust Co. with 0.50% - December 2025


Long-Term Analysis of First Bank & Trust Co. with 0.50% APY and Bank of Monticello with 0.25% APY and Hawaii National Bank with 0.15% APY and American State Bank with 0.45% APY and WEST MICHIGAN with 1.47% APY and CONSUMERS with 0.10% APY and POSTEL FAMILY with 1.01% 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
    First Bank & Trust Co.
    0.50%
    -
    $50,000
    48 Month
    Bank
    0.61x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 2
    LOCAL CD
    Bank of Monticello
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.62x (National Avg. - 0.41%)
    $100,000
     
    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
  • 3
    LOCAL CD
    Hawaii National Bank
    0.15%
    -
    $50,000
    24 Month
    Bank
    0.23x (National Avg. - 0.66%)
    $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
  • 4
    LOCAL CD
    American State Bank
    0.45%
    -
    $50,000
    18 Month
    Bank
    0.78x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 5
    LOCAL CD
    WEST MICHIGAN
    1.47%
    -
    $50,000
    48 Month
    Credit Union
    1.79x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.47%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 735 515
    2 50,735 746 522
    3 51,481 757 530
    4 52,238 768 538
    5 53,005 779 545
    6 53,785 791 553
    7 54,575 802 562
    8 55,378 814 570
    9 56,192 826 578
    10 57,018 838 587
    11 57,856 850 595
    12 58,706 863 604
    13 59,569 876 613
    14 60,445 889 622
    15 61,333 902 631
    16 62,235 915 640
    17 63,150 928 650
    18 64,078 942 659
    19 65,020 956 669
    20 65,976 970 679
    TOTAL $16,946 $11,862
  • 6
    LOCAL CD
    CONSUMERS
    0.10%
    -
    $50,000
    6 Month
    Credit Union
    0.25x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 7
    LOCAL CD
    POSTEL FAMILY
    1.01%
    -
    $50,000
    48 Month
    Credit Union
    1.23x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 503 352
    2 50,503 508 355
    3 51,010 513 359
    4 51,523 518 362
    5 52,041 523 366
    6 52,564 528 370
    7 53,092 534 374
    8 53,625 539 377
    9 54,164 544 381
    10 54,709 550 385
    11 55,258 555 389
    12 55,814 561 393
    13 56,375 567 397
    14 56,941 572 401
    15 57,514 578 405
    16 58,092 584 409
    17 58,675 590 413
    18 59,265 596 417
    19 59,861 602 421
    20 60,462 608 425
    TOTAL $11,070 $7,749

    All calculations are for demonstration purposes only.

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