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Comparison of Deposit Account from First National Bank of Bosque County with 0.12% - June 2025


Long-Term Analysis of Ballston Spa National Bank with 0.65% APY and Heritage Bank with 0.40% APY and Citizens Bank and Trust Company with 0.46% APY and First National Bank of Bosque County with 0.12% 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
    Ballston Spa National Bank
    0.65%
    -
    $50,000
    48 Month
    Bank
    0.80x (National Avg. - 0.82%)
    $500
     
    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
  • 2
    LOCAL CD
    Heritage Bank
    0.40%
    -
    $50,000
    6 Month
    Bank
    0.98x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 3
    LOCAL CD
    Citizens Bank and Trust Company
    0.46%
    -
    $50,000
    24 Month
    Bank
    0.70x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.46%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 230 161
    2 50,230 231 162
    3 50,461 232 162
    4 50,693 233 163
    5 50,926 234 164
    6 51,161 235 165
    7 51,396 236 165
    8 51,632 238 166
    9 51,870 239 167
    10 52,108 240 168
    11 52,348 241 169
    12 52,589 242 169
    13 52,831 243 170
    14 53,074 244 171
    15 53,318 245 172
    16 53,563 246 172
    17 53,810 248 173
    18 54,057 249 174
    19 54,306 250 175
    20 54,556 251 176
    TOTAL $4,807 $3,365
  • 4
    LOCAL CD
    First National Bank of Bosque County
    0.12%
    -
    $50,000
    6 Month
    Bank
    0.29x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.12%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 60 42
    2 50,060 60 42
    3 50,120 60 42
    4 50,180 60 42
    5 50,240 60 42
    6 50,301 60 42
    7 50,361 60 42
    8 50,422 61 42
    9 50,482 61 42
    10 50,543 61 42
    11 50,603 61 43
    12 50,664 61 43
    13 50,725 61 43
    14 50,786 61 43
    15 50,847 61 43
    16 50,908 61 43
    17 50,969 61 43
    18 51,030 61 43
    19 51,091 61 43
    20 51,152 61 43
    TOTAL $1,214 $850

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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