Home
Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from First Security Bank and Trust Company with 0.85% - August 2025

Long-Term Analysis of First Security Bank and Trust Company with 0.85% APY and Casey State Bank with 1.00% APY and First US Bank with 2.52% APY and SULLIVAN BANK with 5.51% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

First Security Bank and Trust Company

0.85%

$50,000

36 Month

Bank

1.13x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

Casey State Bank

1.00%

$50,000

24 Month

Bank

1.52x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

First US Bank

2.52%

$50,000

37 Month

Bank

N.A.

$10,000

SCENARIO

Year	Rate 2.52%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,260	882
2	51,260	1,292	904
3	52,552	1,324	927
4	53,876	1,358	950
5	55,234	1,392	974
6	56,626	1,427	999
7	58,053	1,463	1,024
8	59,516	1,500	1,050
9	61,015	1,538	1,076
10	62,553	1,576	1,103
11	64,129	1,616	1,131
12	65,745	1,657	1,160
13	67,402	1,699	1,189
14	69,101	1,741	1,219
15	70,842	1,785	1,250
16	72,627	1,830	1,281
17	74,457	1,876	1,313
18	76,334	1,924	1,347
19	78,257	1,972	1,380
20	80,229	2,022	1,415
	TOTAL	$32,251	$22,576

LOCAL CD

SULLIVAN BANK

5.51%

$50,000

7 Month

Bank

N.A.

$1,000

SCENARIO

Year	Rate 5.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,755	1,929
2	52,755	2,907	2,035
3	55,662	3,067	2,147
4	58,729	3,236	2,265
5	61,965	3,414	2,390
6	65,379	3,602	2,522
7	68,981	3,801	2,661
8	72,782	4,010	2,807
9	76,793	4,231	2,962
10	81,024	4,464	3,125
11	85,488	4,710	3,297
12	90,199	4,970	3,479
13	95,169	5,244	3,671
14	100,412	5,533	3,873
15	105,945	5,838	4,086
16	111,783	6,159	4,311
17	117,942	6,499	4,549
18	124,440	6,857	4,800
19	131,297	7,234	5,064
20	138,532	7,633	5,343
	TOTAL	$96,165	$67,315

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.

Compare Savings vs. CDs Comparison of Deposit Account from First Security Bank and Trust Company with 0.85% - August 2025

Long-Term Analysis of First Security Bank and Trust Company with 0.85% APY and Casey State Bank with 1.00% APY and First US Bank with 2.52% APY and SULLIVAN BANK with 5.51% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from First Security Bank and Trust Company with 0.85% - August 2025