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Comparison of Deposit Account from Frandsen Bank & Trust with 0.01% - June 2025


Long-Term Analysis of Frandsen Bank & Trust with 0.01% APY and HOOSIER HILLS with 0.65% APY and Watertown Savings Bank with 0.10% APY and McCurtain County National Bank with 0.22% 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 MONEY MARKET
    Frandsen Bank & Trust
    0.01%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 2
    LOCAL CD
    HOOSIER HILLS
    0.65%
    -
    $50,000
    30 Month
    Credit Union
    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
  • 3
    LOCAL MONEY MARKET
    Watertown Savings Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $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
  • 4
    LOCAL MONEY MARKET
    McCurtain County National Bank
    0.22%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.22%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 110 77
    2 50,110 110 77
    3 50,220 110 77
    4 50,331 111 78
    5 50,441 111 78
    6 50,552 111 78
    7 50,664 111 78
    8 50,775 112 78
    9 50,887 112 78
    10 50,999 112 79
    11 51,111 112 79
    12 51,223 113 79
    13 51,336 113 79
    14 51,449 113 79
    15 51,562 113 79
    16 51,676 114 80
    17 51,789 114 80
    18 51,903 114 80
    19 52,017 114 80
    20 52,132 115 80
    TOTAL $2,247 $1,573

    All calculations are for demonstration purposes only.

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