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Comparison of Deposit Account from First Neighbor Bank, National Association with 1.38% - October 2025


Long-Term Analysis of First Neighbor Bank, National Association with 1.38% APY and Signature Bank, National Association with 0.35% APY and Salem Co-operative Bank with 0.35% 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
    First Neighbor Bank, National Association
    1.38%
    -
    $50,000
    60 Month
    Bank
    1.50x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    1.38%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 690 483
    2 50,690 700 490
    3 51,390 709 496
    4 52,099 719 503
    5 52,818 729 510
    6 53,547 739 517
    7 54,285 749 524
    8 55,035 759 532
    9 55,794 770 539
    10 56,564 781 546
    11 57,345 791 554
    12 58,136 802 562
    13 58,938 813 569
    14 59,752 825 577
    15 60,576 836 585
    16 61,412 847 593
    17 62,260 859 601
    18 63,119 871 610
    19 63,990 883 618
    20 64,873 895 627
    TOTAL $15,768 $11,038
  • 2
    LOCAL CD
    Signature Bank, National Association
    0.35%
    -
    $50,000
    36 Month
    Bank
    0.47x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 3
    LOCAL CD
    Salem Co-operative Bank
    0.35%
    -
    $50,000
    6 Month
    Bank
    0.86x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533

    All calculations are for demonstration purposes only.

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