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Comparison of Deposit Account from First Western Trust Bank with 0.61% - October 2025

Long-Term Analysis of Heritage Bank of Commerce with 0.05% APY and The State Bank of Canton, Canton, Kansas with 1.15% APY and Gulf Coast Bank and Trust Company with 0.45% APY and First Western Trust Bank with 0.61% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Heritage Bank of Commerce

0.05%

$50,000

6 Month

Bank

0.12x (National Avg. - 0.41%)

$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

LOCAL CD

The State Bank of Canton, Canton, Kansas

1.15%

$50,000

48 Month

Bank

1.41x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

LOCAL CD

Gulf Coast Bank and Trust Company

0.45%

$50,000

36 Month

Bank

0.60x (National Avg. - 0.75%)

$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

First Western Trust Bank

0.61%

$50,000

12 Month

Bank

1.11x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.61%	Annual Interest	Annual Interest (After Tax)
1	50,000	305	214
2	50,305	307	215
3	50,612	309	216
4	50,921	311	217
5	51,231	313	219
6	51,544	314	220
7	51,858	316	221
8	52,174	318	223
9	52,493	320	224
10	52,813	322	226
11	53,135	324	227
12	53,459	326	228
13	53,785	328	230
14	54,113	330	231
15	54,444	332	232
16	54,776	334	234
17	55,110	336	235
18	55,446	338	237
19	55,784	340	238
20	56,124	342	240
	TOTAL	$6,467	$4,527

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Ivy Bank, a division of Cambridge Savings Bank	4.35%	$1,000	Learn More
Last change: ↑2.35% on September 16.
Climate First Bank	4.34%	$500	Learn More
Last change: ↑1.66% on April 4.
Climate First Bank	4.34%	$500	Learn More
Last change: ↑0.66% on February 4. No Penalty CD.
Finworth, a division of InsBank	4.30%	$50,000	Learn More
Last change: ↓0.15% on September 23.
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.

Compare Savings vs. CDs Comparison of Deposit Account from First Western Trust Bank with 0.61% - October 2025

Long-Term Analysis of Heritage Bank of Commerce with 0.05% APY and The State Bank of Canton, Canton, Kansas with 1.15% APY and Gulf Coast Bank and Trust Company with 0.45% APY and First Western Trust Bank with 0.61% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from First Western Trust Bank with 0.61% - October 2025