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Comparison of Deposit Account from First City Bank with 1.15% - May 2025


Long-Term Analysis of First National Bank, Cortez with 0.10% APY and THE SOUTHERN with 1.35% APY and The Bank of Protection with 0.75% APY and The Stock Exchange Bank, Caldwell, Kansas with 1.31% APY and First National Bank of America with 4.34% APY and FIRST SOUTH FINANCIAL with 0.85% APY and First City Bank with 1.15% APY and Southwest Bank of Weatherford with 0.55% APY and Cendera Bank, National Association with 0.90% APY and LANDMARK with 2.90% APY and Miners & Merchants Bank 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.

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 MONEY MARKET
    First National Bank, Cortez
    0.10%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $2,500
     
    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
  • 2
    LOCAL CD
    THE SOUTHERN
    1.35%
    -
    $50,000
    60 Month
    Credit Union
    1.47x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 675 473
    2 50,675 684 479
    3 51,359 693 485
    4 52,052 703 492
    5 52,755 712 499
    6 53,467 722 505
    7 54,189 732 512
    8 54,921 741 519
    9 55,662 751 526
    10 56,414 762 533
    11 57,175 772 540
    12 57,947 782 548
    13 58,729 793 555
    14 59,522 804 562
    15 60,326 814 570
    16 61,140 825 578
    17 61,966 837 586
    18 62,802 848 593
    19 63,650 859 601
    20 64,509 871 610
    TOTAL $15,380 $10,766
  • 3
    LOCAL CD
    The Bank of Protection
    0.75%
    -
    $50,000
    12 Month
    Bank
    1.36x (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
  • 4
    LOCAL CD
    The Stock Exchange Bank, Caldwell, Kansas
    1.31%
    -
    $50,000
    48 Month
    Bank
    1.61x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406
  • 5
    LOCAL CD
    First National Bank of America
    4.34%
    -
    $50,000
    18 Month
    Bank
    7.48x (National Avg. - 0.58%)
    $1,000
     
    SCENARIO
    Year Rate
    4.34%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,170 1,519
    2 52,170 2,264 1,585
    3 54,434 2,362 1,654
    4 56,797 2,465 1,725
    5 59,262 2,572 1,800
    6 61,834 2,684 1,879
    7 64,517 2,800 1,960
    8 67,317 2,922 2,045
    9 70,239 3,048 2,134
    10 73,287 3,181 2,226
    11 76,468 3,319 2,323
    12 79,786 3,463 2,424
    13 83,249 3,613 2,529
    14 86,862 3,770 2,639
    15 90,632 3,933 2,753
    16 94,565 4,104 2,873
    17 98,670 4,282 2,998
    18 102,952 4,468 3,128
    19 107,420 4,662 3,263
    20 112,082 4,864 3,405
    TOTAL $66,946 $46,862
  • 6
    LOCAL CD
    FIRST SOUTH FINANCIAL
    0.85%
    -
    $50,000
    60 Month
    Credit Union
    0.92x (National Avg. - 0.92%)
    $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
  • 7
    LOCAL CD
    First City Bank
    1.15%
    -
    $50,000
    48 Month
    Bank
    1.41x (National Avg. - 0.82%)
    $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
    Southwest Bank of Weatherford
    0.55%
    -
    $50,000
    6 Month
    Bank
    1.35x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 9
    LOCAL CD
    Cendera Bank, National Association
    0.90%
    -
    $50,000
    24 Month
    Bank
    1.37x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 10
    LOCAL MONEY MARKET
    LANDMARK
    2.90%
    -
    $50,000
    N.A.
    Credit Union
    4.40x (National Avg. - 0.66%)
    $50,000
     
    SCENARIO
    Year Rate
    2.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,450 1,015
    2 51,450 1,492 1,044
    3 52,942 1,535 1,075
    4 54,477 1,580 1,106
    5 56,057 1,626 1,138
    6 57,683 1,673 1,171
    7 59,356 1,721 1,205
    8 61,077 1,771 1,240
    9 62,848 1,823 1,276
    10 64,671 1,875 1,313
    11 66,546 1,930 1,351
    12 68,476 1,986 1,390
    13 70,462 2,043 1,430
    14 72,505 2,103 1,472
    15 74,608 2,164 1,515
    16 76,772 2,226 1,558
    17 78,998 2,291 1,604
    18 81,289 2,357 1,650
    19 83,646 2,426 1,698
    20 86,072 2,496 1,747
    TOTAL $38,568 $26,998
  • 11
    LOCAL CD
    Miners & Merchants Bank
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.61x (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

    All calculations are for demonstration purposes only.

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