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Comparison of Deposit Account from Frontier State Bank with 3.74% - December 2025


Long-Term Analysis of Security Bank of the Ozarks with 1.21% APY and Frontier State Bank with 3.74% 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
    Security Bank of the Ozarks
    1.21%
    -
    $50,000
    60 Month
    Bank
    1.31x (National Avg. - 0.92%)
    $10,000
     
    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
  • 2
    LOCAL CD
    Frontier State Bank
    3.74%
    -
    $50,000
    12 Month
    Bank
    6.82x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    3.74%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,870 1,309
    2 51,870 1,940 1,358
    3 53,810 2,012 1,409
    4 55,822 2,088 1,461
    5 57,910 2,166 1,516
    6 60,076 2,247 1,573
    7 62,323 2,331 1,632
    8 64,654 2,418 1,693
    9 67,072 2,508 1,756
    10 69,580 2,602 1,822
    11 72,183 2,700 1,890
    12 74,882 2,801 1,960
    13 77,683 2,905 2,034
    14 80,588 3,014 2,110
    15 83,602 3,127 2,189
    16 86,729 3,244 2,271
    17 89,973 3,365 2,355
    18 93,337 3,491 2,444
    19 96,828 3,621 2,535
    20 100,450 3,757 2,630
    TOTAL $54,207 $37,945

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↑0.05% on December 1.

    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.15% on November 26.

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