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Comparison of Deposit Account from Garrison State Bank and Trust with 1.70% - October 2025

Long-Term Analysis of Garrison State Bank and Trust with 1.70% APY and First Security Bank of Deer Lodge with 1.50% APY and The Farmers Bank of Appomattox with 3.51% APY and GUARDIAN with 0.05% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Garrison State Bank and Trust

1.70%

$50,000

60 Month

Bank

1.85x (National Avg. - 0.92%)

$1,000

SCENARIO

Year	Rate 1.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	850	595
2	50,850	864	605
3	51,714	879	615
4	52,594	894	626
5	53,488	909	637
6	54,397	925	647
7	55,322	940	658
8	56,262	956	670
9	57,219	973	681
10	58,191	989	692
11	59,181	1,006	704
12	60,187	1,023	716
13	61,210	1,041	728
14	62,250	1,058	741
15	63,309	1,076	753
16	64,385	1,095	766
17	65,479	1,113	779
18	66,593	1,132	792
19	67,725	1,151	806
20	68,876	1,171	820
	TOTAL	$20,047	$14,033

LOCAL CD

First Security Bank of Deer Lodge

1.50%

$50,000

60 Month

Bank

1.63x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	750	525
2	50,750	761	533
3	51,511	773	541
4	52,284	784	549
5	53,068	796	557
6	53,864	808	566
7	54,672	820	574
8	55,492	832	583
9	56,325	845	591
10	57,169	858	600
11	58,027	870	609
12	58,897	883	618
13	59,781	897	628
14	60,678	910	637
15	61,588	924	647
16	62,512	938	656
17	63,449	952	666
18	64,401	966	676
19	65,367	981	686
20	66,348	995	697
	TOTAL	$17,343	$12,140

LOCAL CD

The Farmers Bank of Appomattox

3.51%

$50,000

18 Month

Bank

6.08x (National Avg. - 0.58%)

$1,000

SCENARIO

Year	Rate 3.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,755	1,229
2	51,755	1,817	1,272
3	53,572	1,880	1,316
4	55,452	1,946	1,362
5	57,398	2,015	1,410
6	59,413	2,085	1,460
7	61,498	2,159	1,511
8	63,657	2,234	1,564
9	65,891	2,313	1,619
10	68,204	2,394	1,676
11	70,598	2,478	1,735
12	73,076	2,565	1,795
13	75,641	2,655	1,859
14	78,296	2,748	1,924
15	81,044	2,845	1,991
16	83,889	2,945	2,061
17	86,833	3,048	2,133
18	89,881	3,155	2,208
19	93,036	3,266	2,286
20	96,302	3,380	2,366
	TOTAL	$49,682	$34,777

LOCAL CD

GUARDIAN

0.05%

$50,000

12 Month

Credit Union

0.09x (National Avg. - 0.55%)

$10,000

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

All calculations are for demonstration purposes only.

Featured CD Rates

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Ivy Bank, a division of Cambridge Savings Bank	4.35%	$1,000	Learn More
Last change: ↑2.35% on September 16.
Climate First Bank	4.34%	$500	Learn More
Last change: ↑1.66% on April 4.
Climate First Bank	4.34%	$500	Learn More
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Finworth, a division of InsBank	4.30%	$50,000	Learn More
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Last change: ↓0.16% on September 18. 3 Month CD.

Compare Savings vs. CDs Comparison of Deposit Account from Garrison State Bank and Trust with 1.70% - October 2025

Long-Term Analysis of Garrison State Bank and Trust with 1.70% APY and First Security Bank of Deer Lodge with 1.50% APY and The Farmers Bank of Appomattox with 3.51% APY and GUARDIAN with 0.05% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Garrison State Bank and Trust with 1.70% - October 2025