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Comparison of Deposit Account from GERBER with 0.10% - August 2025


Long-Term Analysis of CNB Bank, Inc. with 0.35% APY and GERBER with 0.10% APY and First National Bank with 0.57% APY and First National Bank with 0.12% APY and First National Bank with 0.60% APY and First Shore Federal Savings and Loan Association with 3.00% APY and MIAMI FIREFIGHTERS with 0.75% APY and MIAMI FIREFIGHTERS with 1.25% APY and TAYLORVILLE COMMUNITY with 0.40% APY and ADVIA with 0.20% APY and 1ST MIDAMERICA with 0.60% APY and East Cambridge Savings Bank with 0.30% APY and Bath Savings Institution with 0.15% APY and HORIZONS with 0.35% APY and CORNERSTONE COMMUNITY FINANCIAL with 0.95% APY and Heritage Community Bank with 0.39% APY and Heritage Community Bank with 0.46% APY and Lake Shore Savings Bank with 5.05% APY and Washington Savings Bank with 4.75% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    CNB Bank, Inc.
    0.35%
    -
    $50,000
    24 Month
    Bank
    0.53x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 2
    LOCAL MONEY MARKET
    GERBER
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.15x (National Avg. - 0.66%)
    $2,500
     
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 3
    LOCAL CD
    First National Bank
    0.57%
    -
    $50,000
    48 Month
    Bank
    0.70x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.57%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 285 200
    2 50,285 287 201
    3 50,572 288 202
    4 50,860 290 203
    5 51,150 292 204
    6 51,441 293 205
    7 51,735 295 206
    8 52,029 297 208
    9 52,326 298 209
    10 52,624 300 210
    11 52,924 302 211
    12 53,226 303 212
    13 53,529 305 214
    14 53,834 307 215
    15 54,141 309 216
    16 54,450 310 217
    17 54,760 312 218
    18 55,072 314 220
    19 55,386 316 221
    20 55,702 318 222
    TOTAL $6,019 $4,214
  • 4
    LOCAL CD
    First National Bank
    0.12%
    -
    $50,000
    6 Month
    Bank
    0.29x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.12%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 60 42
    2 50,060 60 42
    3 50,120 60 42
    4 50,180 60 42
    5 50,240 60 42
    6 50,301 60 42
    7 50,361 60 42
    8 50,422 61 42
    9 50,482 61 42
    10 50,543 61 42
    11 50,603 61 43
    12 50,664 61 43
    13 50,725 61 43
    14 50,786 61 43
    15 50,847 61 43
    16 50,908 61 43
    17 50,969 61 43
    18 51,030 61 43
    19 51,091 61 43
    20 51,152 61 43
    TOTAL $1,214 $850
  • 5
    LOCAL CD
    First National Bank
    0.60%
    -
    $50,000
    60 Month
    Bank
    0.65x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 6
    LOCAL CD
    First Shore Federal Savings and Loan Association
    3.00%
    -
    $50,000
    60 Month
    Bank
    3.26x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 7
    LOCAL CD
    MIAMI FIREFIGHTERS
    0.75%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 8
    LOCAL CD
    MIAMI FIREFIGHTERS
    1.25%
    -
    $50,000
    60 Month
    Credit Union
    1.36x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 625 438
    2 50,625 633 443
    3 51,258 641 449
    4 51,899 649 454
    5 52,547 657 460
    6 53,204 665 466
    7 53,869 673 471
    8 54,543 682 477
    9 55,224 690 483
    10 55,915 699 489
    11 56,614 708 495
    12 57,321 717 502
    13 58,038 725 508
    14 58,763 735 514
    15 59,498 744 521
    16 60,241 753 527
    17 60,994 762 534
    18 61,757 772 540
    19 62,529 782 547
    20 63,310 791 554
    TOTAL $14,102 $9,871
  • 9
    LOCAL CD
    TAYLORVILLE COMMUNITY
    0.40%
    -
    $50,000
    12 Month
    Credit Union
    0.72x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 10
    LOCAL CD
    ADVIA
    0.20%
    -
    $50,000
    12 Month
    Credit Union
    0.36x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 11
    LOCAL CD
    1ST MIDAMERICA
    0.60%
    -
    $50,000
    12 Month
    Credit Union
    1.09x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 12
    LOCAL CD
    East Cambridge Savings Bank
    0.30%
    -
    $50,000
    12 Month
    Bank
    0.54x (National Avg. - 0.55%)
    $1,000
     
    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
  • 13
    LOCAL CD
    Bath Savings Institution
    0.15%
    -
    $50,000
    18 Month
    Bank
    0.26x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 14
    LOCAL CD
    HORIZONS
    0.35%
    -
    $50,000
    6 Month
    Credit Union
    0.86x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 15
    LOCAL CD
    CORNERSTONE COMMUNITY FINANCIAL
    0.95%
    -
    $50,000
    36 Month
    Credit Union
    1.26x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 16
    LOCAL CD
    Heritage Community Bank
    0.39%
    -
    $50,000
    12 Month
    Bank
    0.71x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.39%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 195 137
    2 50,195 196 137
    3 50,391 197 138
    4 50,587 197 138
    5 50,785 198 139
    6 50,983 199 139
    7 51,181 200 140
    8 51,381 200 140
    9 51,581 201 141
    10 51,783 202 141
    11 51,985 203 142
    12 52,187 204 142
    13 52,391 204 143
    14 52,595 205 144
    15 52,800 206 144
    16 53,006 207 145
    17 53,213 208 145
    18 53,420 208 146
    19 53,629 209 146
    20 53,838 210 147
    TOTAL $4,048 $2,834
  • 17
    LOCAL CD
    Heritage Community Bank
    0.46%
    -
    $50,000
    18 Month
    Bank
    0.79x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.46%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 230 161
    2 50,230 231 162
    3 50,461 232 162
    4 50,693 233 163
    5 50,926 234 164
    6 51,161 235 165
    7 51,396 236 165
    8 51,632 238 166
    9 51,870 239 167
    10 52,108 240 168
    11 52,348 241 169
    12 52,589 242 169
    13 52,831 243 170
    14 53,074 244 171
    15 53,318 245 172
    16 53,563 246 172
    17 53,810 248 173
    18 54,057 249 174
    19 54,306 250 175
    20 54,556 251 176
    TOTAL $4,807 $3,365
  • 18
    LOCAL CD
    Lake Shore Savings Bank
    5.05%
    -
    $50,000
    9 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    5.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,525 1,768
    2 52,525 2,653 1,857
    3 55,178 2,786 1,951
    4 57,964 2,927 2,049
    5 60,891 3,075 2,153
    6 63,966 3,230 2,261
    7 67,196 3,393 2,375
    8 70,590 3,565 2,495
    9 74,155 3,745 2,621
    10 77,899 3,934 2,754
    11 81,833 4,133 2,893
    12 85,966 4,341 3,039
    13 90,307 4,561 3,192
    14 94,868 4,791 3,354
    15 99,659 5,033 3,523
    16 104,691 5,287 3,701
    17 109,978 5,554 3,888
    18 115,532 5,834 4,084
    19 121,367 6,129 4,290
    20 127,496 6,439 4,507
    TOTAL $83,934 $58,754
  • 19
    LOCAL CD
    Washington Savings Bank
    4.75%
    -
    $50,000
    9 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    4.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,375 1,663
    2 52,375 2,488 1,741
    3 54,863 2,606 1,824
    4 57,469 2,730 1,911
    5 60,199 2,859 2,002
    6 63,058 2,995 2,097
    7 66,053 3,138 2,196
    8 69,191 3,287 2,301
    9 72,477 3,443 2,410
    10 75,920 3,606 2,524
    11 79,526 3,777 2,644
    12 83,304 3,957 2,770
    13 87,261 4,145 2,901
    14 91,406 4,342 3,039
    15 95,747 4,548 3,184
    16 100,295 4,764 3,335
    17 105,059 4,990 3,493
    18 110,050 5,227 3,659
    19 115,277 5,476 3,833
    20 120,753 5,736 4,015
    TOTAL $76,488 $53,542

    All calculations are for demonstration purposes only.

    Featured CD Rates

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    Early withdrawal penalty is 3 Months' Interest.

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