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Comparison of Deposit Account from First State Bank of Texas with 1.38% - June 2025


Long-Term Analysis of MENLO SURVEY with 0.75% APY and ORANGE COUNTY'S with 0.55% APY and First State Bank of Texas with 1.38% 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
    MENLO SURVEY
    0.75%
    -
    $50,000
    12 Month
    Credit Union
    1.36x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 2
    LOCAL CD
    ORANGE COUNTY'S
    0.55%
    -
    $50,000
    24 Month
    Credit Union
    0.83x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 3
    LOCAL CD
    First State Bank of Texas
    1.38%
    -
    $50,000
    36 Month
    Bank
    1.82x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.38%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 688 482
    2 50,688 697 488
    3 51,385 707 495
    4 52,093 717 502
    5 52,809 727 509
    6 53,536 737 516
    7 54,273 747 523
    8 55,019 757 530
    9 55,776 767 537
    10 56,544 778 545
    11 57,322 789 552
    12 58,111 800 560
    13 58,910 811 567
    14 59,721 822 575
    15 60,543 833 583
    16 61,376 845 591
    17 62,220 856 599
    18 63,076 868 608
    19 63,944 880 616
    20 64,824 892 624
    TOTAL $15,716 $11,001

    All calculations are for demonstration purposes only.

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