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Comparison of Deposit Account from Friend Bank with 0.05% - August 2025


Long-Term Analysis of Friend Bank with 0.05% APY and First Bank of Alabama with 0.45% APY and United Cumberland Bank with 0.96% 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 SAVINGS
    Friend Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.22x (National Avg. - 0.23%)
    $2,500
     
    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
  • 2
    LOCAL CD
    First Bank of Alabama
    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
  • 3
    LOCAL CD
    United Cumberland Bank
    0.96%
    -
    $50,000
    60 Month
    Bank
    1.04x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.96%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 480 336
    2 50,480 485 339
    3 50,965 489 342
    4 51,454 494 346
    5 51,948 499 349
    6 52,447 503 352
    7 52,950 508 356
    8 53,458 513 359
    9 53,972 518 363
    10 54,490 523 366
    11 55,013 528 370
    12 55,541 533 373
    13 56,074 538 377
    14 56,612 543 380
    15 57,156 549 384
    16 57,705 554 388
    17 58,259 559 391
    18 58,818 565 395
    19 59,382 570 399
    20 59,953 576 403
    TOTAL $10,528 $7,370

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.10% on July 13.

    Last change: ↑0.40% on June 24.
    Early withdrawal penalty is 3 Months' Interest.

    Last change: ↓0.05% on August 2.
    7-Month CD.

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