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Comparison of Deposit Account from First Western Trust Bank with 1.02% - August 2025

Long-Term Analysis of Superior Savings Bank with 0.15% APY and Merchants and Farmers Bank with 0.60% APY and Southwind Bank with 0.35% APY and Eagle Bank with 1.14% APY and Frontier Bank with 0.20% APY and SOLIDARITY COMMUNITY with 0.50% APY and Farmers and Merchants State Bank of Pierz with 1.25% APY and First Volunteer Bank with 0.25% APY and National Bank of Commerce with 0.65% APY and Ameris Bank with 0.20% APY and HOPE with 0.50% APY and Citizens Trust Bank with 0.35% APY and Farmers and Merchants Bank with 2.78% APY and Cross County Bank with 0.60% APY and First Financial Bank with 0.90% APY and East West Bank with 0.10% APY and JUSTICE with 0.55% APY and Mega Bank with 0.30% APY and First Western Trust Bank with 1.02% APY and SAN FRANCISCO FIRE with 0.20% APY and High Country Bank with 0.70% APY and First National Bank, Cortez with 1.20% APY and BAY with 0.50% APY and MY HEALTHCARE with 0.30% APY and MY HEALTHCARE with 0.40% APY and GULF STATES with 0.71% APY and Sunrise Bank with 0.65% APY and EDUCATIONAL with 3.55% APY and MIAMI FIREFIGHTERS with 0.65% APY and First Peoples Bank with 0.90% APY and HAWAII STATE with 0.65% APY and Cedar Valley Bank & Trust with 0.39% APY and Central State Bank with 0.35% APY and F&M Bank with 0.70% APY and The Litchfield National Bank with 0.10% APY and Washington Savings Bank with 3.94% APY and VIBRANT with 1.00% APY and VIBRANT with 1.00% APY and First American Bank with 0.10% APY and DUPAGE with 0.12% APY and First Merchants Bank with 0.25% APY and First Southern Bank with 0.45% APY and Grundy Bank with 0.07% APY and PRAIRIELAND with 0.45% APY and Wintrust Bank, National Association with 0.10% APY and PARTNERS 1ST with 0.18% APY and CROSSROADS FINANCIAL with 0.16% APY and Citizens State Bank of New Castle, Indiana with 0.40% APY and Owen County State Bank with 0.65% APY and Owen County State Bank with 0.10% APY and LIBERTY with 1.65% APY and Ford County State Bank with 0.75% APY and HEARTLAND with 0.20% APY and The Sacramento Deposit Bank with 0.75% APY and The First National Bank of Manchester with 0.60% APY and Fifth District Savings Bank with 0.25% APY and HOLYOKE with 0.26% APY and StonehamBank, A Co-operative Bank with 3.25% APY and ST. JEAN'S with 0.85% APY and CHESSIE with 1.36% APY and Miners & Merchants Bank with 0.50% APY and The Chesapeake Bank & Trust Co. with 0.45% APY and OXFORD with 0.70% APY and MAINE STATE with 1.40% APY and The Citizens State Bank of Ontonagon with 0.40% APY and Thumb Bank and Trust with 0.30% APY and First State Bank of Wyoming with 1.00% APY and Peoples State Bank of Wells with 0.35% APY and Eagle Bank with 0.67% APY and HIWAY with 1.05% APY and Granite Falls Bank with 0.30% APY and First State Bank Southwest with 0.55% APY and First State Bank Southwest with 0.70% APY and BankCherokee with 0.25% APY and First Missouri Bank with 0.40% APY and First Missouri Bank with 0.70% APY and CENTRAL MISSOURI COMMUNITY with 0.75% APY and Peoples Bank & Trust Co. with 0.50% APY and Guaranty Bank and Trust Company with 0.33% APY and BankFirst Financial Services with 0.25% APY and VERITAS with 0.55% APY and Peoples Bank with 0.10% APY and CENTRA with 1.05% APY and F&M Bank with 0.20% APY and Crown Bank with 0.25% APY and Freedom Bank (NJ) with 0.40% APY and The Berkshire Bank with 0.35% APY and SEAPORT with 0.40% APY and GARDEN STATE with 0.90% APY and Pioneer Bank with 0.65% APY and ADVANTAGE FINANCIAL with 0.40% APY and The Farmers & Merchants State Bank with 0.26% APY and CHAMPION with 0.60% APY and The Fort Jennings State Bank with 0.10% APY and USX with 0.40% APY and USX with 0.75% APY and CNB Bank with 1.00% APY and WesBanco Bank, Inc. with 0.65% APY and Fidelity Federal Savings and Loan Association of Delaware with 0.90% APY and HOMELAND with 0.50% APY and High Plains Bank with 0.09% APY and First Bank & Trust Co. with 0.50% APY and Kish Bank with 0.50% APY and Farmers and Merchants Trust Company of Chambersburg with 0.40% APY and Meridian Bank with 0.55% APY and Meridian Bank with 0.60% APY and First Bank & Trust with 0.35% APY and First Federal Bank with 0.40% APY and SOUTHEAST FINANCIAL with 0.75% APY and LIFE with 0.65% APY and INSOUTH Bank with 0.85% APY and Independent Bank with 0.60% APY and Industry State Bank with 1.06% APY and ENERGY ONE with 0.90% APY and VeraBank, National Association with 2.77% APY and First State Bank of Bedias with 1.21% APY and HOUSTON with 1.00% APY and Citizens Bank and Trust Company with 0.25% APY and Citizens Bank and Trust Company with 0.30% APY and AMERICA'S CREDIT UNION, A with 0.55% APY and National Exchange Bank and Trust with 0.05% APY and NORTHWOODS COMMUNITY with 0.25% APY and Sterling Bank with 0.85% APY and WESTCONSIN with 0.50% APY and Citizens Bank with 0.40% APY and ST. MARY'S & AFFILIATES with 0.25% APY and The Greenwood's State Bank with 0.85% APY and Park Bank with 0.71% APY and CHESSIE with 0.60% APY and TTCU with 3.70% APY and PEN AIR with 2.75% APY and FLORIDA with 1.25% APY and Charter Bank with 0.75% APY and Bell Bank with 4.80% 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

Superior Savings Bank

0.15%

$50,000

12 Month

Bank

0.27x (National Avg. - 0.55%)

$500

SCENARIO

Year	Rate 0.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	75	53
2	50,075	75	53
3	50,150	75	53
4	50,225	75	53
5	50,301	75	53
6	50,376	76	53
7	50,452	76	53
8	50,527	76	53
9	50,603	76	53
10	50,679	76	53
11	50,755	76	53
12	50,831	76	53
13	50,907	76	53
14	50,984	76	54
15	51,060	77	54
16	51,137	77	54
17	51,214	77	54
18	51,290	77	54
19	51,367	77	54
20	51,444	77	54
	TOTAL	$1,522	$1,065

LOCAL CD

Merchants and Farmers Bank

0.60%

$50,000

18 Month

Bank

1.03x (National Avg. - 0.58%)

$500

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

Southwind Bank

0.35%

$50,000

6 Month

Bank

0.86x (National Avg. - 0.41%)

$100

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

LOCAL CD

Eagle Bank

1.14%

$50,000

60 Month

Bank

1.24x (National Avg. - 0.92%)

$25,000

SCENARIO

Year	Rate 1.14%	Annual Interest	Annual Interest (After Tax)
1	50,000	570	399
2	50,570	576	404
3	51,146	583	408
4	51,730	590	413
5	52,319	596	418
6	52,916	603	422
7	53,519	610	427
8	54,129	617	432
9	54,746	624	437
10	55,370	631	442
11	56,001	638	447
12	56,640	646	452
13	57,286	653	457
14	57,939	661	462
15	58,599	668	468
16	59,267	676	473
17	59,943	683	478
18	60,626	691	484
19	61,317	699	489
20	62,016	707	495
	TOTAL	$12,723	$8,906

LOCAL CD

Frontier Bank

0.20%

$50,000

6 Month

Bank

0.49x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

SOLIDARITY COMMUNITY

0.50%

$50,000

6 Month

Credit Union

1.22x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

Farmers and Merchants State Bank of Pierz

1.25%

$50,000

60 Month

Bank

1.36x (National Avg. - 0.92%)

$2,500

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL CD

First Volunteer Bank

0.25%

$50,000

24 Month

Bank

0.38x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

National Bank of Commerce

0.65%

$50,000

60 Month

Bank

0.71x (National Avg. - 0.92%)

$10,000

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

LOCAL CD

Ameris Bank

0.20%

$50,000

36 Month

Bank

0.27x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

HOPE

0.50%

$50,000

6 Month

Credit Union

1.22x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

Citizens Trust Bank

0.35%

$50,000

24 Month

Bank

0.53x (National Avg. - 0.66%)

$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

LOCAL CD

Farmers and Merchants Bank

2.78%

$50,000

60 Month

Bank

3.02x (National Avg. - 0.92%)

$1,000

SCENARIO

Year	Rate 2.78%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,390	973
2	51,390	1,429	1,000
3	52,819	1,468	1,028
4	54,287	1,509	1,056
5	55,796	1,551	1,086
6	57,347	1,594	1,116
7	58,942	1,639	1,147
8	60,580	1,684	1,179
9	62,264	1,731	1,212
10	63,995	1,779	1,245
11	65,774	1,829	1,280
12	67,603	1,879	1,316
13	69,482	1,932	1,352
14	71,414	1,985	1,390
15	73,399	2,040	1,428
16	75,440	2,097	1,468
17	77,537	2,156	1,509
18	79,692	2,215	1,551
19	81,908	2,277	1,594
20	84,185	2,340	1,638
	TOTAL	$36,525	$25,568

LOCAL CD

Cross County Bank

0.60%

$50,000

18 Month

Bank

1.03x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

First Financial Bank

0.90%

$50,000

12 Month

Bank

1.63x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

East West Bank

0.10%

$50,000

12 Month

Bank

0.18x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

JUSTICE

0.55%

$50,000

6 Month

Credit Union

1.35x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	276	193
2	50,276	278	194
3	50,554	279	195
4	50,833	281	196
5	51,113	282	198
6	51,395	284	199
7	51,679	285	200
8	51,964	287	201
9	52,251	288	202
10	52,540	290	203
11	52,830	292	204
12	53,121	293	205
13	53,414	295	206
14	53,709	296	208
15	54,006	298	209
16	54,304	300	210
17	54,604	301	211
18	54,905	303	212
19	55,208	305	213
20	55,513	306	215
	TOTAL	$5,819	$4,073

LOCAL CD

Mega Bank

0.30%

$50,000

36 Month

Bank

0.40x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

First Western Trust Bank

1.02%

$50,000

36 Month

Bank

1.35x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.02%	Annual Interest	Annual Interest (After Tax)
1	50,000	510	357
2	50,510	515	361
3	51,025	520	364
4	51,546	526	368
5	52,071	531	372
6	52,603	537	376
7	53,139	542	379
8	53,681	548	383
9	54,229	553	387
10	54,782	559	391
11	55,341	564	395
12	55,905	570	399
13	56,475	576	403
14	57,051	582	407
15	57,633	588	412
16	58,221	594	416
17	58,815	600	420
18	59,415	606	424
19	60,021	612	429
20	60,633	618	433
	TOTAL	$11,252	$7,876

LOCAL CD

SAN FRANCISCO FIRE

0.20%

$50,000

6 Month

Credit Union

0.49x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

High Country Bank

0.70%

$50,000

36 Month

Bank

0.93x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

First National Bank, Cortez

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

LOCAL CD

BAY

0.50%

$50,000

36 Month

Credit Union

0.66x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

MY HEALTHCARE

0.30%

$50,000

12 Month

Credit Union

0.54x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

MY HEALTHCARE

0.40%

$50,000

36 Month

Credit Union

0.53x (National Avg. - 0.75%)

$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

LOCAL CD

GULF STATES

0.71%

$50,000

36 Month

Credit Union

0.94x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.71%	Annual Interest	Annual Interest (After Tax)
1	50,000	355	249
2	50,355	358	250
3	50,713	360	252
4	51,073	363	254
5	51,435	365	256
6	51,800	368	257
7	52,168	370	259
8	52,539	373	261
9	52,912	376	263
10	53,287	378	265
11	53,666	381	267
12	54,047	384	269
13	54,430	386	271
14	54,817	389	272
15	55,206	392	274
16	55,598	395	276
17	55,993	398	278
18	56,390	400	280
19	56,791	403	282
20	57,194	406	284
	TOTAL	$7,600	$5,320

LOCAL CD

Sunrise Bank

0.65%

$50,000

18 Month

Bank

1.12x (National Avg. - 0.58%)

$10,000

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

LOCAL CD

EDUCATIONAL

3.55%

$50,000

48 Month

Credit Union

4.35x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 3.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,775	1,243
2	51,775	1,838	1,287
3	53,613	1,903	1,332
4	55,516	1,971	1,380
5	57,487	2,041	1,429
6	59,528	2,113	1,479
7	61,641	2,188	1,532
8	63,829	2,266	1,586
9	66,095	2,346	1,642
10	68,442	2,430	1,701
11	70,871	2,516	1,761
12	73,387	2,605	1,824
13	75,993	2,698	1,888
14	78,690	2,794	1,955
15	81,484	2,893	2,025
16	84,377	2,995	2,097
17	87,372	3,102	2,171
18	90,474	3,212	2,248
19	93,685	3,326	2,328
20	97,011	3,444	2,411
	TOTAL	$50,455	$35,319

LOCAL CD

MIAMI FIREFIGHTERS

0.65%

$50,000

18 Month

Credit Union

1.12x (National Avg. - 0.58%)

$100,000

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

LOCAL CD

First Peoples Bank

0.90%

$50,000

36 Month

Bank

1.19x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

HAWAII STATE

0.65%

$50,000

60 Month

Credit Union

0.71x (National Avg. - 0.92%)

$10,000

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

LOCAL CD

Cedar Valley Bank & Trust

0.39%

$50,000

12 Month

Bank

0.71x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.39%	Annual Interest	Annual Interest (After Tax)
1	50,000	195	137
2	50,195	196	137
3	50,391	197	138
4	50,587	197	138
5	50,785	198	139
6	50,983	199	139
7	51,181	200	140
8	51,381	200	140
9	51,581	201	141
10	51,783	202	141
11	51,985	203	142
12	52,187	204	142
13	52,391	204	143
14	52,595	205	144
15	52,800	206	144
16	53,006	207	145
17	53,213	208	145
18	53,420	208	146
19	53,629	209	146
20	53,838	210	147
	TOTAL	$4,048	$2,834

LOCAL CD

Central State Bank

0.35%

$50,000

6 Month

Bank

0.86x (National Avg. - 0.41%)

$1,500

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

LOCAL CD

F&M Bank

0.70%

$50,000

60 Month

Bank

0.76x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

The Litchfield National Bank

0.10%

$50,000

6 Month

Bank

0.24x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

Washington Savings Bank

3.94%

$50,000

18 Month

Bank

6.78x (National Avg. - 0.58%)

$1,000

SCENARIO

Year	Rate 3.94%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,970	1,379
2	51,970	2,048	1,433
3	54,018	2,128	1,490
4	56,146	2,212	1,549
5	58,358	2,299	1,610
6	60,657	2,390	1,673
7	63,047	2,484	1,739
8	65,531	2,582	1,807
9	68,113	2,684	1,879
10	70,797	2,789	1,953
11	73,586	2,899	2,030
12	76,486	3,014	2,109
13	79,499	3,132	2,193
14	82,631	3,256	2,279
15	85,887	3,384	2,369
16	89,271	3,517	2,462
17	92,788	3,656	2,559
18	96,444	3,800	2,660
19	100,244	3,950	2,765
20	104,194	4,105	2,874
	TOTAL	$58,299	$40,809

LOCAL CD

VIBRANT

1.00%

$50,000

36 Month

Credit Union

1.33x (National Avg. - 0.75%)

$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

VIBRANT

1.00%

$50,000

48 Month

Credit Union

1.22x (National Avg. - 0.82%)

$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 American Bank

0.10%

$50,000

6 Month

Bank

0.24x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

DUPAGE

0.12%

$50,000

36 Month

Credit Union

0.16x (National Avg. - 0.75%)

$100,000

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

LOCAL CD

First Merchants Bank

0.25%

$50,000

36 Month

Bank

0.33x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

First Southern Bank

0.45%

$50,000

30 Month

Bank

N.A.

$10,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

Grundy Bank

0.07%

$50,000

6 Month

Bank

0.17x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.07%	Annual Interest	Annual Interest (After Tax)
1	50,000	35	25
2	50,035	35	25
3	50,070	35	25
4	50,105	35	25
5	50,140	35	25
6	50,175	35	25
7	50,210	35	25
8	50,246	35	25
9	50,281	35	25
10	50,316	35	25
11	50,351	35	25
12	50,386	35	25
13	50,422	35	25
14	50,457	35	25
15	50,492	35	25
16	50,528	35	25
17	50,563	35	25
18	50,598	35	25
19	50,634	35	25
20	50,669	35	25
	TOTAL	$705	$493

LOCAL CD

PRAIRIELAND

0.45%

$50,000

6 Month

Credit Union

1.10x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

Wintrust Bank, National Association

0.10%

$50,000

12 Month

Bank

0.18x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

PARTNERS 1ST

0.18%

$50,000

18 Month

Credit Union

0.31x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.18%	Annual Interest	Annual Interest (After Tax)
1	50,000	90	63
2	50,090	90	63
3	50,180	90	63
4	50,270	90	63
5	50,361	91	63
6	50,452	91	64
7	50,542	91	64
8	50,633	91	64
9	50,725	91	64
10	50,816	91	64
11	50,907	92	64
12	50,999	92	64
13	51,091	92	64
14	51,183	92	64
15	51,275	92	65
16	51,367	92	65
17	51,460	93	65
18	51,552	93	65
19	51,645	93	65
20	51,738	93	65
	TOTAL	$1,831	$1,282

LOCAL CD

CROSSROADS FINANCIAL

0.16%

$50,000

24 Month

Credit Union

0.24x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	80	56
2	50,080	80	56
3	50,160	80	56
4	50,240	80	56
5	50,321	81	56
6	50,401	81	56
7	50,482	81	57
8	50,563	81	57
9	50,644	81	57
10	50,725	81	57
11	50,806	81	57
12	50,887	81	57
13	50,968	82	57
14	51,050	82	57
15	51,132	82	57
16	51,214	82	57
17	51,295	82	57
18	51,378	82	58
19	51,460	82	58
20	51,542	82	58
	TOTAL	$1,625	$1,137

LOCAL CD

Citizens State Bank of New Castle, Indiana

0.40%

$50,000

60 Month

Bank

0.43x (National Avg. - 0.92%)

$10,000

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

LOCAL CD

Owen County State Bank

0.65%

$50,000

48 Month

Bank

0.80x (National Avg. - 0.82%)

$100,000

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

LOCAL SAVINGS

Owen County State Bank

0.10%

$50,000

N.A.

Bank

0.44x (National Avg. - 0.23%)

$2,500

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

LIBERTY

1.65%

$50,000

24 Month

Credit Union

2.50x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 1.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	825	578
2	50,825	839	587
3	51,664	852	597
4	52,516	867	607
5	53,383	881	617
6	54,263	895	627
7	55,159	910	637
8	56,069	925	648
9	56,994	940	658
10	57,934	956	669
11	58,890	972	680
12	59,862	988	691
13	60,850	1,004	703
14	61,854	1,021	714
15	62,874	1,037	726
16	63,912	1,055	738
17	64,966	1,072	750
18	66,038	1,090	763
19	67,128	1,108	775
20	68,235	1,126	788
	TOTAL	$19,361	$13,553

LOCAL CD

Ford County State Bank

0.75%

$50,000

6 Month

Bank

1.83x (National Avg. - 0.41%)

$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

LOCAL CD

HEARTLAND

0.20%

$50,000

6 Month

Credit Union

0.49x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

The Sacramento Deposit Bank

0.75%

$50,000

36 Month

Bank

0.99x (National Avg. - 0.75%)

$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

LOCAL CD

The First National Bank of Manchester

0.60%

$50,000

24 Month

Bank

0.91x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

Fifth District Savings Bank

0.25%

$50,000

6 Month

Bank

0.61x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

HOLYOKE

0.26%

$50,000

12 Month

Credit Union

0.47x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	130	91
2	50,130	130	91
3	50,260	131	91
4	50,391	131	92
5	50,522	131	92
6	50,653	132	92
7	50,785	132	92
8	50,917	132	93
9	51,050	133	93
10	51,182	133	93
11	51,315	133	93
12	51,449	134	94
13	51,583	134	94
14	51,717	134	94
15	51,851	135	94
16	51,986	135	95
17	52,121	136	95
18	52,257	136	95
19	52,392	136	95
20	52,529	137	96
	TOTAL	$2,665	$1,866

LOCAL CD

StonehamBank, A Co-operative Bank

3.25%

$50,000

48 Month

Bank

3.98x (National Avg. - 0.82%)

$1,000

SCENARIO

Year	Rate 3.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,625	1,138
2	51,625	1,678	1,174
3	53,303	1,732	1,213
4	55,035	1,789	1,252
5	56,824	1,847	1,293
6	58,671	1,907	1,335
7	60,577	1,969	1,378
8	62,546	2,033	1,423
9	64,579	2,099	1,469
10	66,678	2,167	1,517
11	68,845	2,237	1,566
12	71,082	2,310	1,617
13	73,392	2,385	1,670
14	75,778	2,463	1,724
15	78,240	2,543	1,780
16	80,783	2,625	1,838
17	83,409	2,711	1,898
18	86,119	2,799	1,959
19	88,918	2,890	2,023
20	91,808	2,984	2,089
	TOTAL	$44,792	$31,354

LOCAL CD

ST. JEAN'S

0.85%

$50,000

36 Month

Credit Union

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

CHESSIE

1.36%

$50,000

60 Month

Credit Union

1.48x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.36%	Annual Interest	Annual Interest (After Tax)
1	50,000	680	476
2	50,680	689	482
3	51,369	699	489
4	52,068	708	496
5	52,776	718	502
6	53,494	728	509
7	54,221	737	516
8	54,959	747	523
9	55,706	758	530
10	56,464	768	538
11	57,232	778	545
12	58,010	789	552
13	58,799	800	560
14	59,599	811	567
15	60,409	822	575
16	61,231	833	583
17	62,063	844	591
18	62,907	856	599
19	63,763	867	607
20	64,630	879	615
	TOTAL	$15,509	$10,856

LOCAL CD

Miners & Merchants Bank

0.50%

$50,000

24 Month

Bank

0.76x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

The Chesapeake Bank & Trust Co.

0.45%

$50,000

24 Month

Bank

0.68x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

OXFORD

0.70%

$50,000

24 Month

Credit Union

1.06x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

MAINE STATE

1.40%

$50,000

48 Month

Credit Union

1.71x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	700	490
2	50,700	710	497
3	51,410	720	504
4	52,130	730	511
5	52,859	740	518
6	53,599	750	525
7	54,350	761	533
8	55,111	772	540
9	55,882	782	548
10	56,665	793	555
11	57,458	804	563
12	58,262	816	571
13	59,078	827	579
14	59,905	839	587
15	60,744	850	595
16	61,594	862	604
17	62,456	874	612
18	63,331	887	621
19	64,217	899	629
20	65,117	912	638
	TOTAL	$16,028	$11,220

LOCAL CD

The Citizens State Bank of Ontonagon

0.40%

$50,000

48 Month

Bank

0.49x (National Avg. - 0.82%)

$10,000

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

LOCAL CD

Thumb Bank and Trust

0.30%

$50,000

48 Month

Bank

0.37x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

First State Bank of Wyoming

1.00%

$50,000

60 Month

Bank

1.09x (National Avg. - 0.92%)

$2,000

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

Peoples State Bank of Wells

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

LOCAL CD

Eagle Bank

0.67%

$50,000

18 Month

Bank

1.15x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.67%	Annual Interest	Annual Interest (After Tax)
1	50,000	335	235
2	50,335	337	236
3	50,672	340	238
4	51,012	342	239
5	51,354	344	241
6	51,698	346	242
7	52,044	349	244
8	52,393	351	246
9	52,744	353	247
10	53,097	356	249
11	53,453	358	251
12	53,811	361	252
13	54,171	363	254
14	54,534	365	256
15	54,900	368	257
16	55,268	370	259
17	55,638	373	261
18	56,011	375	263
19	56,386	378	264
20	56,764	380	266
	TOTAL	$7,144	$5,001

LOCAL CD

HIWAY

1.05%

$50,000

24 Month

Credit Union

1.59x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 1.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	525	368
2	50,525	531	371
3	51,056	536	375
4	51,592	542	379
5	52,133	547	383
6	52,681	553	387
7	53,234	559	391
8	53,793	565	395
9	54,358	571	400
10	54,928	577	404
11	55,505	583	408
12	56,088	589	412
13	56,677	595	417
14	57,272	601	421
15	57,873	608	425
16	58,481	614	430
17	59,095	620	434
18	59,716	627	439
19	60,343	634	444
20	60,976	640	448
	TOTAL	$11,616	$8,131

LOCAL CD

Granite Falls Bank

0.30%

$50,000

6 Month

Bank

0.73x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

First State Bank Southwest

0.55%

$50,000

12 Month

Bank

1.00x (National Avg. - 0.55%)

$100,000

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

LOCAL CD

First State Bank Southwest

0.70%

$50,000

24 Month

Bank

1.06x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

BankCherokee

0.25%

$50,000

48 Month

Bank

0.31x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

First Missouri Bank

0.40%

$50,000

12 Month

Bank

0.72x (National Avg. - 0.55%)

$10,000

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

LOCAL CD

First Missouri Bank

0.70%

$50,000

60 Month

Bank

0.76x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

CENTRAL MISSOURI COMMUNITY

0.75%

$50,000

12 Month

Credit Union

1.36x (National Avg. - 0.55%)

$1,000

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

LOCAL CD

Peoples Bank & Trust Co.

0.50%

$50,000

12 Month

Bank

0.91x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

Guaranty Bank and Trust Company

0.33%

$50,000

18 Month

Bank

0.56x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.33%	Annual Interest	Annual Interest (After Tax)
1	50,000	163	114
2	50,163	163	114
3	50,326	164	114
4	50,489	164	115
5	50,653	165	115
6	50,818	165	116
7	50,983	166	116
8	51,149	166	116
9	51,315	167	117
10	51,482	167	117
11	51,649	168	118
12	51,817	168	118
13	51,985	169	118
14	52,154	170	119
15	52,324	170	119
16	52,494	171	119
17	52,664	171	120
18	52,836	172	120
19	53,007	172	121
20	53,179	173	121
	TOTAL	$3,352	$2,347

LOCAL CD

BankFirst Financial Services

0.25%

$50,000

18 Month

Bank

0.43x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

VERITAS

0.55%

$50,000

18 Month

Credit Union

0.95x (National Avg. - 0.58%)

$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

LOCAL CD

Peoples Bank

0.10%

$50,000

18 Month

Bank

0.17x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

CENTRA

1.05%

$50,000

60 Month

Credit Union

1.14x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	525	368
2	50,525	531	371
3	51,056	536	375
4	51,592	542	379
5	52,133	547	383
6	52,681	553	387
7	53,234	559	391
8	53,793	565	395
9	54,358	571	400
10	54,928	577	404
11	55,505	583	408
12	56,088	589	412
13	56,677	595	417
14	57,272	601	421
15	57,873	608	425
16	58,481	614	430
17	59,095	620	434
18	59,716	627	439
19	60,343	634	444
20	60,976	640	448
	TOTAL	$11,616	$8,131

LOCAL CD

F&M Bank

0.20%

$50,000

18 Month

Bank

0.34x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

Crown Bank

0.25%

$50,000

18 Month

Bank

0.43x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

Freedom Bank (NJ)

0.40%

$50,000

60 Month

Bank

0.43x (National Avg. - 0.92%)

$500

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

LOCAL CD

The Berkshire Bank

0.35%

$50,000

24 Month

Bank

0.53x (National Avg. - 0.66%)

$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

LOCAL CD

SEAPORT

0.40%

$50,000

24 Month

Credit Union

0.61x (National Avg. - 0.66%)

$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

LOCAL CD

GARDEN STATE

0.90%

$50,000

48 Month

Credit Union

1.10x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

Pioneer Bank

0.65%

$50,000

30 Month

Bank

N.A.

$100,000

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

LOCAL CD

ADVANTAGE FINANCIAL

0.40%

$50,000

12 Month

Credit Union

0.72x (National Avg. - 0.55%)

$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

LOCAL CD

The Farmers & Merchants State Bank

0.26%

$50,000

18 Month

Bank

0.45x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	130	91
2	50,130	130	91
3	50,260	131	91
4	50,391	131	92
5	50,522	131	92
6	50,653	132	92
7	50,785	132	92
8	50,917	132	93
9	51,050	133	93
10	51,182	133	93
11	51,315	133	93
12	51,449	134	94
13	51,583	134	94
14	51,717	134	94
15	51,851	135	94
16	51,986	135	95
17	52,121	136	95
18	52,257	136	95
19	52,392	136	95
20	52,529	137	96
	TOTAL	$2,665	$1,866

LOCAL CD

CHAMPION

0.60%

$50,000

48 Month

Credit Union

0.73x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

The Fort Jennings State Bank

0.10%

$50,000

12 Month

Bank

0.18x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

USX

0.40%

$50,000

6 Month

Credit Union

0.98x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

USX

0.75%

$50,000

60 Month

Credit Union

0.82x (National Avg. - 0.92%)

$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

LOCAL CD

CNB Bank

1.00%

$50,000

60 Month

Bank

1.09x (National Avg. - 0.92%)

$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

WesBanco Bank, Inc.

0.65%

$50,000

48 Month

Bank

0.80x (National Avg. - 0.82%)

$10,000

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

LOCAL CD

Fidelity Federal Savings and Loan Association of Delaware

0.90%

$50,000

36 Month

Bank

1.19x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

100

LOCAL CD

HOMELAND

0.50%

$50,000

18 Month

Credit Union

0.86x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

101

LOCAL CD

High Plains Bank

0.09%

$50,000

48 Month

Bank

0.10x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.09%	Annual Interest	Annual Interest (After Tax)
1	50,000	43	30
2	50,043	43	30
3	50,085	43	30
4	50,128	43	30
5	50,170	43	30
6	50,213	43	30
7	50,256	43	30
8	50,298	43	30
9	50,341	43	30
10	50,384	43	30
11	50,427	43	30
12	50,469	43	30
13	50,512	43	30
14	50,555	43	30
15	50,598	43	30
16	50,641	43	30
17	50,684	43	30
18	50,727	43	30
19	50,771	43	30
20	50,814	43	30
	TOTAL	$857	$600

102

LOCAL CD

First Bank & Trust Co.

0.50%

$50,000

60 Month

Bank

0.54x (National Avg. - 0.92%)

$1,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

103

LOCAL CD

Kish Bank

0.50%

$50,000

18 Month

Bank

0.86x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

104

LOCAL CD

Farmers and Merchants Trust Company of Chambersburg

0.40%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.58%)

$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

105

LOCAL CD

Meridian Bank

0.55%

$50,000

18 Month

Bank

0.95x (National Avg. - 0.58%)

$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

106

LOCAL CD

Meridian Bank

0.60%

$50,000

36 Month

Bank

0.80x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

107

LOCAL CD

First Bank & Trust

0.35%

$50,000

18 Month

Bank

0.60x (National Avg. - 0.58%)

$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

108

LOCAL CD

First Federal Bank

0.40%

$50,000

12 Month

Bank

0.72x (National Avg. - 0.55%)

$10,000

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

109

LOCAL CD

SOUTHEAST FINANCIAL

0.75%

$50,000

24 Month

Credit Union

1.14x (National Avg. - 0.66%)

$100,000

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

110

LOCAL CD

LIFE

0.65%

$50,000

24 Month

Credit Union

0.98x (National Avg. - 0.66%)

$10,000

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

111

LOCAL CD

INSOUTH Bank

0.85%

$50,000

48 Month

Bank

1.04x (National Avg. - 0.82%)

$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

112

LOCAL CD

Independent Bank

0.60%

$50,000

24 Month

Bank

0.91x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

113

LOCAL CD

Industry State Bank

1.06%

$50,000

24 Month

Bank

1.61x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 1.06%	Annual Interest	Annual Interest (After Tax)
1	50,000	530	371
2	50,530	536	375
3	51,066	541	379
4	51,607	547	383
5	52,154	553	387
6	52,707	559	391
7	53,265	565	395
8	53,830	571	399
9	54,401	577	404
10	54,977	583	408
11	55,560	589	412
12	56,149	595	417
13	56,744	601	421
14	57,346	608	426
15	57,954	614	430
16	58,568	621	435
17	59,189	627	439
18	59,816	634	444
19	60,450	641	449
20	61,091	648	453
	TOTAL	$11,738	$8,217

114

LOCAL CD

ENERGY ONE

0.90%

$50,000

36 Month

Credit Union

1.19x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

115

LOCAL CD

VeraBank, National Association

2.77%

$50,000

6 Month

Bank

6.77x (National Avg. - 0.41%)

$250,000

SCENARIO

Year	Rate 2.77%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,385	970
2	51,385	1,423	996
3	52,808	1,463	1,024
4	54,271	1,503	1,052
5	55,774	1,545	1,081
6	57,319	1,588	1,111
7	58,907	1,632	1,142
8	60,539	1,677	1,174
9	62,216	1,723	1,206
10	63,939	1,771	1,240
11	65,710	1,820	1,274
12	67,530	1,871	1,309
13	69,401	1,922	1,346
14	71,323	1,976	1,383
15	73,299	2,030	1,421
16	75,330	2,087	1,461
17	77,416	2,144	1,501
18	79,561	2,204	1,543
19	81,764	2,265	1,585
20	84,029	2,328	1,629
	TOTAL	$36,357	$25,450

116

LOCAL CD

First State Bank of Bedias

1.21%

$50,000

36 Month

Bank

1.60x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.21%	Annual Interest	Annual Interest (After Tax)
1	50,000	605	424
2	50,605	612	429
3	51,217	620	434
4	51,837	627	439
5	52,464	635	444
6	53,099	642	450
7	53,742	650	455
8	54,392	658	461
9	55,050	666	466
10	55,716	674	472
11	56,390	682	478
12	57,073	691	483
13	57,763	699	489
14	58,462	707	495
15	59,170	716	501
16	59,885	725	507
17	60,610	733	513
18	61,343	742	520
19	62,086	751	526
20	62,837	760	532
	TOTAL	$13,597	$9,518

117

LOCAL CD

HOUSTON

1.00%

$50,000

24 Month

Credit Union

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

118

LOCAL CD

Citizens Bank and Trust Company

0.25%

$50,000

18 Month

Bank

0.43x (National Avg. - 0.58%)

$1,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

119

LOCAL CD

Citizens Bank and Trust Company

0.30%

$50,000

24 Month

Bank

0.45x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

120

LOCAL CD

AMERICA'S CREDIT UNION, A

0.55%

$50,000

24 Month

Credit Union

0.83x (National Avg. - 0.66%)

$100,000

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

121

LOCAL MONEY MARKET

National Exchange Bank and Trust

0.05%

$50,000

N.A.

Bank

0.08x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	25	18
2	50,025	25	18
3	50,050	25	18
4	50,075	25	18
5	50,100	25	18
6	50,125	25	18
7	50,150	25	18
8	50,175	25	18
9	50,200	25	18
10	50,225	25	18
11	50,251	25	18
12	50,276	25	18
13	50,301	25	18
14	50,326	25	18
15	50,351	25	18
16	50,376	25	18
17	50,402	25	18
18	50,427	25	18
19	50,452	25	18
20	50,477	25	18
	TOTAL	$502	$352

122

LOCAL CD

NORTHWOODS COMMUNITY

0.25%

$50,000

6 Month

Credit Union

0.61x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

123

LOCAL CD

Sterling Bank

0.85%

$50,000

36 Month

Bank

1.13x (National Avg. - 0.75%)

$100,000

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

124

LOCAL CD

WESTCONSIN

0.50%

$50,000

12 Month

Credit Union

0.91x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

125

LOCAL CD

Citizens Bank

0.40%

$50,000

12 Month

Bank

0.72x (National Avg. - 0.55%)

$10,000

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

126

LOCAL CD

ST. MARY'S & AFFILIATES

0.25%

$50,000

48 Month

Credit Union

0.31x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

127

LOCAL CD

The Greenwood's State Bank

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

128

LOCAL CD

Park Bank

0.71%

$50,000

18 Month

Bank

1.22x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.71%	Annual Interest	Annual Interest (After Tax)
1	50,000	355	249
2	50,355	358	250
3	50,713	360	252
4	51,073	363	254
5	51,435	365	256
6	51,800	368	257
7	52,168	370	259
8	52,539	373	261
9	52,912	376	263
10	53,287	378	265
11	53,666	381	267
12	54,047	384	269
13	54,430	386	271
14	54,817	389	272
15	55,206	392	274
16	55,598	395	276
17	55,993	398	278
18	56,390	400	280
19	56,791	403	282
20	57,194	406	284
	TOTAL	$7,600	$5,320

129

LOCAL CD

CHESSIE

0.60%

$50,000

18 Month

Credit Union

1.03x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

130

LOCAL CD

TTCU

3.70%

$50,000

24 Month

Credit Union

5.61x (National Avg. - 0.66%)

$200,000

SCENARIO

Year	Rate 3.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,850	1,295
2	51,850	1,918	1,343
3	53,768	1,989	1,393
4	55,758	2,063	1,444
5	57,821	2,139	1,498
6	59,960	2,219	1,553
7	62,179	2,301	1,610
8	64,479	2,386	1,670
9	66,865	2,474	1,732
10	69,339	2,566	1,796
11	71,905	2,660	1,862
12	74,565	2,759	1,931
13	77,324	2,861	2,003
14	80,185	2,967	2,077
15	83,152	3,077	2,154
16	86,229	3,190	2,233
17	89,419	3,309	2,316
18	92,728	3,431	2,402
19	96,158	3,558	2,491
20	99,716	3,690	2,583
	TOTAL	$53,406	$37,384

131

LOCAL CD

PEN AIR

2.75%

$50,000

48 Month

Credit Union

3.37x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 2.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,375	963
2	51,375	1,413	989
3	52,788	1,452	1,016
4	54,239	1,492	1,044
5	55,731	1,533	1,073
6	57,264	1,575	1,102
7	58,838	1,618	1,133
8	60,456	1,663	1,164
9	62,119	1,708	1,196
10	63,827	1,755	1,229
11	65,583	1,804	1,262
12	67,386	1,853	1,297
13	69,239	1,904	1,333
14	71,143	1,956	1,370
15	73,100	2,010	1,407
16	75,110	2,066	1,446
17	77,175	2,122	1,486
18	79,298	2,181	1,526
19	81,478	2,241	1,568
20	83,719	2,302	1,612
	TOTAL	$36,021	$25,215

132

LOCAL MONEY MARKET

FLORIDA

1.25%

$50,000

N.A.

Credit Union

1.53x (National Avg. - 0.82%)

$50,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

133

LOCAL MONEY MARKET

Charter Bank

0.75%

$50,000

N.A.

Bank

0.92x (National Avg. - 0.82%)

$50,000

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

134

LOCAL CD

Bell Bank

4.80%

$50,000

14 Month

Bank

N.A.

$99,999

SCENARIO

Year	Rate 4.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,400	1,680
2	52,400	2,515	1,761
3	54,915	2,636	1,845
4	57,551	2,762	1,934
5	60,314	2,895	2,027
6	63,209	3,034	2,124
7	66,243	3,180	2,226
8	69,422	3,332	2,333
9	72,755	3,492	2,445
10	76,247	3,660	2,562
11	79,907	3,836	2,685
12	83,742	4,020	2,814
13	87,762	4,213	2,949
14	91,974	4,415	3,090
15	96,389	4,627	3,239
16	101,016	4,849	3,394
17	105,865	5,081	3,557
18	110,946	5,325	3,728
19	116,271	5,581	3,907
20	121,852	5,849	4,094
	TOTAL	$77,701	$54,391

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.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.
Colorado Federal Savings Bank	4.45%	$5,000	Learn More
Last change: ↑0.40% on June 24. Early withdrawal penalty is 3 Months' Interest.
Finworth, a division of InsBank	4.45%	$50,000	Learn More
Last change: ↓0.05% on August 2. 7-Month CD.

Compare Savings vs. CDs Comparison of Deposit Account from First Western Trust Bank with 1.02% - August 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from First Western Trust Bank with 1.02% - August 2025