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Comparison of Deposit Account from First Commerce Bank with 0.10% - December 2025

Long-Term Analysis of MID-ILLINI with 0.77% APY and FIRST FINANCIAL OF MARYLAND with 0.20% APY and First Commerce Bank with 0.10% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

MID-ILLINI

0.77%

$50,000

24 Month

Credit Union

1.17x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.77%	Annual Interest	Annual Interest (After Tax)
1	50,000	385	270
2	50,385	388	272
3	50,773	391	274
4	51,164	394	276
5	51,558	397	278
6	51,955	400	280
7	52,355	403	282
8	52,758	406	284
9	53,164	409	287
10	53,574	413	289
11	53,986	416	291
12	54,402	419	293
13	54,821	422	295
14	55,243	425	298
15	55,668	429	300
16	56,097	432	302
17	56,529	435	305
18	56,964	439	307
19	57,403	442	309
20	57,845	445	312
	TOTAL	$8,290	$5,803

LOCAL CD

FIRST FINANCIAL OF MARYLAND

0.20%

$50,000

6 Month

Credit Union

0.49x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL SAVINGS

First Commerce Bank

0.10%

$50,000

N.A.

Bank

0.44x (National Avg. - 0.23%)

$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

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Finworth, a division of InsBank	4.20%	$50,000	Learn More
Last change: ↑0.20% on December 7. Early Withdrawal Penalty is 6 months interest.
Limelight Bank, A division of Capital Community Bank	4.20%	$1,000	Learn More
Last change: ↑0.05% on December 1.
Limelight Bank, A division of Capital Community Bank	4.15%	$1,000	Learn More
Last change: ↑0.10% on December 1. Early Withdrawal Penalty is 90 days interest.
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.

Compare Savings vs. CDs Comparison of Deposit Account from First Commerce Bank with 0.10% - December 2025

Long-Term Analysis of MID-ILLINI with 0.77% APY and FIRST FINANCIAL OF MARYLAND with 0.20% APY and First Commerce Bank with 0.10% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from First Commerce Bank with 0.10% - December 2025