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Comparison of Deposit Account from FSNB, National Association with 0.30% - November 2025


Long-Term Analysis of Today's Bank with 0.65% APY and FSNB, National Association with 0.30% 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
    Today's Bank
    0.65%
    -
    $50,000
    36 Month
    Bank
    0.86x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 324 227
    2 50,324 326 228
    3 50,650 328 230
    4 50,978 330 231
    5 51,309 332 233
    6 51,641 335 234
    7 51,976 337 236
    8 52,313 339 237
    9 52,652 341 239
    10 52,993 343 240
    11 53,336 346 242
    12 53,682 348 244
    13 54,030 350 245
    14 54,380 352 247
    15 54,732 355 248
    16 55,087 357 250
    17 55,444 359 251
    18 55,803 362 253
    19 56,165 364 255
    20 56,529 366 256
    TOTAL $6,895 $4,826
  • 2
    LOCAL CD
    FSNB, National Association
    0.30%
    -
    $50,000
    12 Month
    Bank
    0.55x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161

    All calculations are for demonstration purposes only.

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