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Comparison of Deposit Account from First Financial Bank, National Association with 2.32% - August 2025


Long-Term Analysis of Capital City Bank with 0.10% APY and First Financial Bank, National Association with 2.32% 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
    Capital City Bank
    0.10%
    -
    $50,000
    18 Month
    Bank
    0.17x (National Avg. - 0.58%)
    $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
  • 2
    LOCAL CD
    First Financial Bank, National Association
    2.32%
    -
    $50,000
    3 Month
    Bank
    1.05x (National Avg. - 2.21%)
    $500
     
    SCENARIO
    Year Rate
    2.32%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,160 812
    2 51,160 1,187 831
    3 52,347 1,214 850
    4 53,561 1,243 870
    5 54,804 1,271 890
    6 56,075 1,301 911
    7 57,376 1,331 932
    8 58,708 1,362 953
    9 60,070 1,394 976
    10 61,463 1,426 998
    11 62,889 1,459 1,021
    12 64,348 1,493 1,045
    13 65,841 1,528 1,069
    14 67,369 1,563 1,094
    15 68,931 1,599 1,119
    16 70,531 1,636 1,145
    17 72,167 1,674 1,172
    18 73,841 1,713 1,199
    19 75,554 1,753 1,227
    20 77,307 1,794 1,255
    TOTAL $29,101 $20,371

    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: ↑0.10% on July 13.

    Last change: ↑0.40% on June 24.
    Early withdrawal penalty is 3 Months' Interest.

    Last change: ↓0.05% on August 2.
    7-Month CD.

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