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Comparison of Deposit Account from First Security Bank and Trust Company with 1.07% - August 2025


Long-Term Analysis of Community Savings Bank with 1.18% APY and First Security Bank and Trust Company with 1.07% APY and First Security Bank and Trust Company with 1.12% APY and Schertz Bank & Trust with 1.20% APY and HarborOne Bank with 3.00% 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
    Community Savings Bank
    1.18%
    -
    $50,000
    48 Month
    Bank
    1.44x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.18%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 590 413
    2 50,590 597 418
    3 51,187 604 423
    4 51,791 611 428
    5 52,402 618 433
    6 53,020 626 438
    7 53,646 633 443
    8 54,279 640 448
    9 54,920 648 454
    10 55,568 656 459
    11 56,223 663 464
    12 56,887 671 470
    13 57,558 679 475
    14 58,237 687 481
    15 58,924 695 487
    16 59,620 704 492
    17 60,323 712 498
    18 61,035 720 504
    19 61,755 729 510
    20 62,484 737 516
    TOTAL $13,221 $9,255
  • 2
    LOCAL CD
    First Security Bank and Trust Company
    1.07%
    -
    $50,000
    60 Month
    Bank
    1.16x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 535 375
    2 50,535 541 379
    3 51,076 547 383
    4 51,622 552 387
    5 52,175 558 391
    6 52,733 564 395
    7 53,297 570 399
    8 53,867 576 403
    9 54,444 583 408
    10 55,026 589 412
    11 55,615 595 417
    12 56,210 601 421
    13 56,812 608 426
    14 57,420 614 430
    15 58,034 621 435
    16 58,655 628 439
    17 59,282 634 444
    18 59,917 641 449
    19 60,558 648 454
    20 61,206 655 458
    TOTAL $11,861 $8,303
  • 3
    LOCAL CD
    First Security Bank and Trust Company
    1.12%
    -
    $50,000
    60 Month
    Bank
    1.22x (National Avg. - 0.92%)
    $50,000
     
    SCENARIO
    Year Rate
    1.12%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 560 392
    2 50,560 566 396
    3 51,126 573 401
    4 51,699 579 405
    5 52,278 586 410
    6 52,863 592 414
    7 53,455 599 419
    8 54,054 605 424
    9 54,660 612 429
    10 55,272 619 433
    11 55,891 626 438
    12 56,517 633 443
    13 57,150 640 448
    14 57,790 647 453
    15 58,437 654 458
    16 59,092 662 463
    17 59,753 669 468
    18 60,423 677 474
    19 61,099 684 479
    20 61,784 692 484
    TOTAL $12,476 $8,733
  • 4
    LOCAL CD
    Schertz Bank & Trust
    1.20%
    -
    $50,000
    60 Month
    Bank
    1.30x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 600 420
    2 50,600 607 425
    3 51,207 614 430
    4 51,822 622 435
    5 52,444 629 441
    6 53,073 637 446
    7 53,710 645 451
    8 54,354 652 457
    9 55,007 660 462
    10 55,667 668 468
    11 56,335 676 473
    12 57,011 684 479
    13 57,695 692 485
    14 58,387 701 490
    15 59,088 709 496
    16 59,797 718 502
    17 60,514 726 508
    18 61,240 735 514
    19 61,975 744 521
    20 62,719 753 527
    TOTAL $13,472 $9,430
  • 5
    LOCAL CD
    HarborOne Bank
    3.00%
    -
    $50,000
    9 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214

    All calculations are for demonstration purposes only.

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