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Comparison of Deposit Account from Frost Bank with 4.28% - May 2025


Long-Term Analysis of EMERALD CREDIT UNION, INC. with 0.25% APY and Sooner State Bank with 1.06% APY and Security State Bank with 1.05% APY and Frost Bank with 4.28% 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
    EMERALD CREDIT UNION, INC.
    0.25%
    -
    $50,000
    36 Month
    Credit Union
    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
  • 2
    LOCAL CD
    Sooner State Bank
    1.06%
    -
    $50,000
    18 Month
    Bank
    1.83x (National Avg. - 0.58%)
    $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
  • 3
    LOCAL CD
    Security State Bank
    1.05%
    -
    $50,000
    60 Month
    Bank
    1.14x (National Avg. - 0.92%)
    $100,000
     
    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
  • 4
    LOCAL CD
    Frost Bank
    4.28%
    -
    $50,000
    6 Month
    Bank
    10.52x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    4.28%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,140 1,498
    2 52,140 2,232 1,562
    3 54,372 2,327 1,629
    4 56,699 2,427 1,699
    5 59,125 2,531 1,771
    6 61,656 2,639 1,847
    7 64,295 2,752 1,926
    8 67,047 2,870 2,009
    9 69,916 2,992 2,095
    10 72,909 3,120 2,184
    11 76,029 3,254 2,278
    12 79,283 3,393 2,375
    13 82,677 3,539 2,477
    14 86,215 3,690 2,583
    15 89,905 3,848 2,694
    16 93,753 4,013 2,809
    17 97,766 4,184 2,929
    18 101,950 4,363 3,054
    19 106,313 4,550 3,185
    20 110,864 4,745 3,321
    TOTAL $65,609 $45,926

    All calculations are for demonstration purposes only.

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