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Comparison of Deposit Account from FIRST COMMUNITY with 2.95% - June 2025


Long-Term Analysis of Scott State Bank with 0.50% APY and FIRST with 0.10% APY and FIRST COMMUNITY with 2.95% APY and FIRST COMMUNITY with 3.85% APY and The First State Bank of Pond Creek, Oklahoma with 0.65% APY and The First State Bank of Pond Creek, Oklahoma with 0.75% APY and The First State Bank of Pond Creek, Oklahoma with 0.15% APY and IncredibleBank with 1.51% APY and RNB STATE BANK with 1.08% 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
    Scott State Bank
    0.50%
    -
    $50,000
    36 Month
    Bank
    0.66x (National Avg. - 0.75%)
    $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 MONEY MARKET
    FIRST
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.13x (National Avg. - 0.75%)
    $25,000
     
    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
  • 3
    LOCAL MONEY MARKET
    FIRST COMMUNITY
    2.95%
    -
    $50,000
    N.A.
    Credit Union
    3.91x (National Avg. - 0.75%)
    $25,000
     
    SCENARIO
    Year Rate
    2.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,475 1,033
    2 51,475 1,519 1,063
    3 52,994 1,563 1,094
    4 54,557 1,609 1,127
    5 56,166 1,657 1,160
    6 57,823 1,706 1,194
    7 59,529 1,756 1,229
    8 61,285 1,808 1,266
    9 63,093 1,861 1,303
    10 64,954 1,916 1,341
    11 66,870 1,973 1,381
    12 68,843 2,031 1,422
    13 70,874 2,091 1,464
    14 72,965 2,152 1,507
    15 75,117 2,216 1,551
    16 77,333 2,281 1,597
    17 79,614 2,349 1,644
    18 81,963 2,418 1,693
    19 84,381 2,489 1,742
    20 86,870 2,563 1,794
    TOTAL $39,433 $27,603
  • 4
    LOCAL CD
    FIRST COMMUNITY
    3.85%
    -
    $50,000
    15 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    3.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,925 1,348
    2 51,925 1,999 1,399
    3 53,924 2,076 1,453
    4 56,000 2,156 1,509
    5 58,156 2,239 1,567
    6 60,395 2,325 1,628
    7 62,720 2,415 1,690
    8 65,135 2,508 1,755
    9 67,643 2,604 1,823
    10 70,247 2,705 1,893
    11 72,952 2,809 1,966
    12 75,760 2,917 2,042
    13 78,677 3,029 2,120
    14 81,706 3,146 2,202
    15 84,852 3,267 2,287
    16 88,119 3,393 2,375
    17 91,511 3,523 2,466
    18 95,034 3,659 2,561
    19 98,693 3,800 2,660
    20 102,493 3,946 2,762
    TOTAL $56,439 $39,507
  • 5
    LOCAL CD
    The First State Bank of Pond Creek, Oklahoma
    0.65%
    -
    $50,000
    24 Month
    Bank
    0.98x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 6
    LOCAL CD
    The First State Bank of Pond Creek, Oklahoma
    0.75%
    -
    $50,000
    48 Month
    Bank
    0.92x (National Avg. - 0.82%)
    $100,000
     
    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
  • 7
    LOCAL SAVINGS
    The First State Bank of Pond Creek, Oklahoma
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.67x (National Avg. - 0.23%)
    $2,500
     
    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
  • 8
    LOCAL MONEY MARKET
    IncredibleBank
    1.51%
    -
    $50,000
    N.A.
    Bank
    6.71x (National Avg. - 0.23%)
    $10,000
     
    SCENARIO
    Year Rate
    1.51%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 755 529
    2 50,755 766 536
    3 51,521 778 545
    4 52,299 790 553
    5 53,089 802 561
    6 53,891 814 570
    7 54,704 826 578
    8 55,531 839 587
    9 56,369 851 596
    10 57,220 864 605
    11 58,084 877 614
    12 58,961 890 623
    13 59,852 904 633
    14 60,755 917 642
    15 61,673 931 652
    16 62,604 945 662
    17 63,549 960 672
    18 64,509 974 682
    19 65,483 989 692
    20 66,472 1,004 703
    TOTAL $17,476 $12,233
  • 9
    LOCAL CD
    RNB STATE BANK
    1.08%
    -
    $50,000
    48 Month
    Bank
    1.32x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.08%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 540 378
    2 50,540 546 382
    3 51,086 552 386
    4 51,638 558 390
    5 52,195 564 395
    6 52,759 570 399
    7 53,329 576 403
    8 53,905 582 408
    9 54,487 588 412
    10 55,075 595 416
    11 55,670 601 421
    12 56,271 608 425
    13 56,879 614 430
    14 57,493 621 435
    15 58,114 628 439
    16 58,742 634 444
    17 59,376 641 449
    18 60,018 648 454
    19 60,666 655 459
    20 61,321 662 464
    TOTAL $11,983 $8,388

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

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    Early Withdrawal Penalty is 6 months interest.

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