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Comparison of Deposit Account from GLOBAL with 0.75% - May 2024

Long-Term Analysis of First Iowa State Bank with 0.22% APY and State Street Bank and Trust Company with 1.21% APY and NBH Bank with 1.25% APY and FNBC Bank with 0.25% APY and KS StateBank with 4.16% APY and The North Side Bank and Trust Company with 0.40% APY and ENCORE BANK with 0.30% APY and Banc of California, National Association with 0.30% APY and CalPrivate Bank with 0.30% APY and Bank of the Orient with 0.10% APY and Metropolitan Bank with 0.60% APY and Adams Bank & Trust with 0.55% APY and The Dolores State Bank with 0.35% APY and Calvin B. Taylor Banking Company of Berlin, Maryland with 0.20% APY and ORLANDO with 0.10% APY and Crews Bank & Trust with 0.05% APY and Great Oaks Bank with 0.01% APY and Century Bank and Trust with 1.10% APY and VISIONBANK OF IOWA with 0.75% APY and Heritage Bank with 0.30% APY and BTC Bank with 0.45% APY and Community State Bank with 0.80% APY and First State Bank with 0.80% APY and Logan State Bank with 0.25% APY and GLOBAL with 0.75% APY and Illini State Bank with 0.50% APY and DIVERSIFIED GENERAL with 0.80% APY and Community State Bank with 0.40% APY and HARVESTER FINANCIAL with 0.50% APY and Banterra Bank with 0.02% APY and Citizens Federal Savings Bank with 0.15% APY and Garden Plain State Bank with 1.26% APY and SIGNET with 0.50% APY and SIGNET with 0.75% APY and MONROE TELCO with 0.50% APY and ESSENTIAL with 0.70% APY and Florence Bank with 0.35% APY and First Bank Elk River with 0.40% APY and American Federal Bank with 0.50% APY and Unity Bank with 0.74% APY and Bridgewater Bank with 0.15% APY and PrinsBank with 1.00% APY and Bank of Monticello with 0.85% APY and St. Clair County State Bank with 0.45% APY and Holmes County Bank & Trust Company with 0.01% APY and First State Bank of Cando with 0.30% APY and CENTRIS with 0.60% APY and Town & Country Bank with 0.95% APY and UNION PACIFIC STREAMLINER with 0.05% APY and The Berkshire Bank with 0.35% APY and Generations Bank with 0.45% APY and COMMODORE PERRY with 0.25% APY and The Home Savings and Loan Company of Kenton, Ohio with 0.85% APY and FRIENDS AND FAMILY CREDIT UNION INC with 0.75% APY and The First Central National Bank of St. Paris with 0.55% APY and Lakeside State Bank with 0.45% APY and First Keystone Community Bank with 0.05% APY and The National Bank of Malvern with 0.85% APY and First National Bank of Tennessee with 0.25% APY and The First National Bank of Quitaque with 0.15% APY and TEXOMA COMMUNITY with 0.85% APY and GO with 0.40% APY and R Bank with 0.75% APY and Bank of Utah with 0.30% APY and APPLE with 1.00% APY and SWEETWATER with 0.40% APY and MEMBERS 1ST with 1.70% APY and MEMBERS 1ST with 1.85% APY and UniBank for Savings with 4.76% APY and Altoona First Savings Bank with 0.15% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

First Iowa State Bank

0.22%

$50,000

6 Month

Bank

0.32x (National Avg. - 0.69%)

$100,000

SCENARIO

Year	Rate 0.22%	Annual Interest	Annual Interest (After Tax)
1	50,000	110	77
2	50,110	110	77
3	50,220	110	77
4	50,331	111	78
5	50,441	111	78
6	50,552	111	78
7	50,664	111	78
8	50,775	112	78
9	50,887	112	78
10	50,999	112	79
11	51,111	112	79
12	51,223	113	79
13	51,336	113	79
14	51,449	113	79
15	51,562	113	79
16	51,676	114	80
17	51,789	114	80
18	51,903	114	80
19	52,017	114	80
20	52,132	115	80
	TOTAL	$2,247	$1,573

LOCAL CD

State Street Bank and Trust Company

1.21%

$50,000

60 Month

Bank

1.33x (National Avg. - 0.91%)

$1,000

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

LOCAL CD

NBH Bank

1.25%

$50,000

42 Month

Bank

N.A.

$500

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

LOCAL CD

FNBC Bank

0.25%

$50,000

6 Month

Bank

0.36x (National Avg. - 0.69%)

$500

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

LOCAL CD

KS StateBank

4.16%

$50,000

27 Month

Bank

N.A.

$1,000

SCENARIO

Year	Rate 4.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,080	1,456
2	52,080	2,167	1,517
3	54,247	2,257	1,580
4	56,503	2,351	1,645
5	58,854	2,448	1,714
6	61,302	2,550	1,785
7	63,852	2,656	1,859
8	66,508	2,767	1,937
9	69,275	2,882	2,017
10	72,157	3,002	2,101
11	75,159	3,127	2,189
12	78,285	3,257	2,280
13	81,542	3,392	2,375
14	84,934	3,533	2,473
15	88,467	3,680	2,576
16	92,148	3,833	2,683
17	95,981	3,993	2,795
18	99,974	4,159	2,911
19	104,133	4,332	3,032
20	108,465	4,512	3,158
	TOTAL	$62,977	$44,084

LOCAL CD

The North Side Bank and Trust Company

0.40%

$50,000

18 Month

Bank

0.55x (National Avg. - 0.73%)

$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

LOCAL CD

ENCORE BANK

0.30%

$50,000

24 Month

Bank

0.32x (National Avg. - 0.95%)

$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

LOCAL CD

Banc of California, National Association

0.30%

$50,000

6 Month

Bank

0.44x (National Avg. - 0.69%)

$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

LOCAL CD

CalPrivate Bank

0.30%

$50,000

12 Month

Bank

0.36x (National Avg. - 0.84%)

$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

LOCAL MONEY MARKET

Bank of the Orient

0.10%

$50,000

N.A.

Bank

0.12x (National Avg. - 0.84%)

$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

LOCAL CD

Metropolitan Bank

0.60%

$50,000

24 Month

Bank

0.63x (National Avg. - 0.95%)

$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

LOCAL CD

Adams Bank & Trust

0.55%

$50,000

12 Month

Bank

0.66x (National Avg. - 0.84%)

$10,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

The Dolores State Bank

0.35%

$50,000

24 Month

Bank

0.37x (National Avg. - 0.95%)

$10,000

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

LOCAL MONEY MARKET

Calvin B. Taylor Banking Company of Berlin, Maryland

0.20%

$50,000

N.A.

Bank

0.21x (National Avg. - 0.95%)

$25,000

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

LOCAL MONEY MARKET

ORLANDO

0.10%

$50,000

N.A.

Credit Union

0.11x (National Avg. - 0.95%)

$10,000

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

LOCAL MONEY MARKET

Crews Bank & Trust

0.05%

$50,000

N.A.

Bank

0.05x (National Avg. - 0.95%)

$2,500

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

LOCAL MONEY MARKET

Great Oaks Bank

0.01%

$50,000

N.A.

Bank

0.01x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 0.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	5	4
2	50,005	5	4
3	50,010	5	4
4	50,015	5	4
5	50,020	5	4
6	50,025	5	4
7	50,030	5	4
8	50,035	5	4
9	50,040	5	4
10	50,045	5	4
11	50,050	5	4
12	50,055	5	4
13	50,060	5	4
14	50,065	5	4
15	50,070	5	4
16	50,075	5	4
17	50,080	5	4
18	50,085	5	4
19	50,090	5	4
20	50,095	5	4
	TOTAL	$100	$70

LOCAL CD

Century Bank and Trust

1.10%

$50,000

60 Month

Bank

1.20x (National Avg. - 0.91%)

$100,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

LOCAL CD

VISIONBANK OF IOWA

0.75%

$50,000

36 Month

Bank

0.86x (National Avg. - 0.87%)

$100,000

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

LOCAL MONEY MARKET

Heritage Bank

0.30%

$50,000

N.A.

Bank

0.34x (National Avg. - 0.87%)

$25,000

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

LOCAL CD

BTC Bank

0.45%

$50,000

6 Month

Bank

0.66x (National Avg. - 0.69%)

$10,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

Community State Bank

0.80%

$50,000

24 Month

Bank

0.84x (National Avg. - 0.95%)

$100,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

First State Bank

0.80%

$50,000

12 Month

Bank

0.95x (National Avg. - 0.84%)

$100,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

Logan State Bank

0.25%

$50,000

6 Month

Bank

0.36x (National Avg. - 0.69%)

$10,000

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

LOCAL CD

GLOBAL

0.75%

$50,000

24 Month

Credit Union

0.79x (National Avg. - 0.95%)

$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

LOCAL CD

Illini State Bank

0.50%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.73%)

$100,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

DIVERSIFIED GENERAL

0.80%

$50,000

12 Month

Credit Union

0.95x (National Avg. - 0.84%)

$10,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

Community State Bank

0.40%

$50,000

36 Month

Bank

0.46x (National Avg. - 0.87%)

$500

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

LOCAL CD

HARVESTER FINANCIAL

0.50%

$50,000

18 Month

Credit Union

0.69x (National Avg. - 0.73%)

$100,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL SAVINGS

Banterra Bank

0.02%

$50,000

N.A.

Bank

0.09x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.02%	Annual Interest	Annual Interest (After Tax)
1	50,000	10	7
2	50,010	10	7
3	50,020	10	7
4	50,030	10	7
5	50,040	10	7
6	50,050	10	7
7	50,060	10	7
8	50,070	10	7
9	50,080	10	7
10	50,090	10	7
11	50,100	10	7
12	50,110	10	7
13	50,120	10	7
14	50,130	10	7
15	50,140	10	7
16	50,150	10	7
17	50,160	10	7
18	50,170	10	7
19	50,180	10	7
20	50,190	10	7
	TOTAL	$200	$140

LOCAL MONEY MARKET

Citizens Federal Savings Bank

0.15%

$50,000

N.A.

Bank

0.69x (National Avg. - 0.22%)

$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

LOCAL CD

Garden Plain State Bank

1.26%

$50,000

48 Month

Bank

1.32x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 1.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	630	441
2	50,630	638	447
3	51,268	646	452
4	51,914	654	458
5	52,568	662	464
6	53,230	671	469
7	53,901	679	475
8	54,580	688	481
9	55,268	696	487
10	55,964	705	494
11	56,669	714	500
12	57,384	723	506
13	58,107	732	512
14	58,839	741	519
15	59,580	751	525
16	60,331	760	532
17	61,091	770	539
18	61,861	779	546
19	62,640	789	552
20	63,429	799	559
	TOTAL	$14,229	$9,960

LOCAL CD

SIGNET

0.50%

$50,000

12 Month

Credit Union

0.60x (National Avg. - 0.84%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

SIGNET

0.75%

$50,000

24 Month

Credit Union

0.79x (National Avg. - 0.95%)

$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

LOCAL CD

MONROE TELCO

0.50%

$50,000

12 Month

Credit Union

0.60x (National Avg. - 0.84%)

$100,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

ESSENTIAL

0.70%

$50,000

24 Month

Credit Union

0.74x (National Avg. - 0.95%)

$100,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

Florence Bank

0.35%

$50,000

48 Month

Bank

0.37x (National Avg. - 0.95%)

$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

LOCAL CD

First Bank Elk River

0.40%

$50,000

6 Month

Bank

0.58x (National Avg. - 0.69%)

$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

LOCAL CD

American Federal Bank

0.50%

$50,000

24 Month

Bank

0.53x (National Avg. - 0.95%)

$100,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

Unity Bank

0.74%

$50,000

18 Month

Bank

1.02x (National Avg. - 0.73%)

$500

SCENARIO

Year	Rate 0.74%	Annual Interest	Annual Interest (After Tax)
1	50,000	370	259
2	50,370	373	261
3	50,743	375	263
4	51,118	378	265
5	51,497	381	267
6	51,878	384	269
7	52,261	387	271
8	52,648	390	273
9	53,038	392	275
10	53,430	395	277
11	53,826	398	279
12	54,224	401	281
13	54,625	404	283
14	55,029	407	285
15	55,437	410	287
16	55,847	413	289
17	56,260	416	291
18	56,677	419	294
19	57,096	423	296
20	57,518	426	298
	TOTAL	$7,944	$5,561

LOCAL MONEY MARKET

Bridgewater Bank

0.15%

$50,000

N.A.

Bank

0.21x (National Avg. - 0.73%)

$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

LOCAL CD

PrinsBank

1.00%

$50,000

12 Month

Bank

1.19x (National Avg. - 0.84%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

Bank of Monticello

0.85%

$50,000

30 Month

Bank

N.A.

$10,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

St. Clair County State Bank

0.45%

$50,000

6 Month

Bank

0.66x (National Avg. - 0.69%)

$10,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL SAVINGS

Holmes County Bank & Trust Company

0.01%

$50,000

N.A.

Bank

0.05x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	5	4
2	50,005	5	4
3	50,010	5	4
4	50,015	5	4
5	50,020	5	4
6	50,025	5	4
7	50,030	5	4
8	50,035	5	4
9	50,040	5	4
10	50,045	5	4
11	50,050	5	4
12	50,055	5	4
13	50,060	5	4
14	50,065	5	4
15	50,070	5	4
16	50,075	5	4
17	50,080	5	4
18	50,085	5	4
19	50,090	5	4
20	50,095	5	4
	TOTAL	$100	$70

LOCAL CD

First State Bank of Cando

0.30%

$50,000

6 Month

Bank

0.44x (National Avg. - 0.69%)

$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

LOCAL CD

CENTRIS

0.60%

$50,000

6 Month

Credit Union

0.87x (National Avg. - 0.69%)

$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

LOCAL CD

Town & Country Bank

0.95%

$50,000

60 Month

Bank

1.04x (National Avg. - 0.91%)

$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

LOCAL MONEY MARKET

UNION PACIFIC STREAMLINER

0.05%

$50,000

N.A.

Credit Union

0.05x (National Avg. - 0.91%)

$2,500

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

LOCAL CD

The Berkshire Bank

0.35%

$50,000

18 Month

Bank

0.48x (National Avg. - 0.73%)

$10,000

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

LOCAL CD

Generations Bank

0.45%

$50,000

36 Month

Bank

0.52x (National Avg. - 0.87%)

$10,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

COMMODORE PERRY

0.25%

$50,000

18 Month

Credit Union

0.34x (National Avg. - 0.73%)

$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

LOCAL CD

The Home Savings and Loan Company of Kenton, Ohio

0.85%

$50,000

48 Month

Bank

0.89x (National Avg. - 0.95%)

$100,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

FRIENDS AND FAMILY CREDIT UNION INC

0.75%

$50,000

60 Month

Credit Union

0.82x (National Avg. - 0.91%)

$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

LOCAL CD

The First Central National Bank of St. Paris

0.55%

$50,000

30 Month

Bank

N.A.

$100,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

Lakeside State Bank

0.45%

$50,000

36 Month

Bank

0.52x (National Avg. - 0.87%)

$100,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL MONEY MARKET

First Keystone Community Bank

0.05%

$50,000

N.A.

Bank

0.06x (National Avg. - 0.87%)

$2,500

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

LOCAL CD

The National Bank of Malvern

0.85%

$50,000

18 Month

Bank

1.17x (National Avg. - 0.73%)

$10,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

First National Bank of Tennessee

0.25%

$50,000

36 Month

Bank

0.29x (National Avg. - 0.87%)

$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

LOCAL SAVINGS

The First National Bank of Quitaque

0.15%

$50,000

N.A.

Bank

0.69x (National Avg. - 0.22%)

$2,500

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

LOCAL CD

TEXOMA COMMUNITY

0.85%

$50,000

12 Month

Credit Union

1.02x (National Avg. - 0.84%)

$100,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	427	299
2	50,427	430	301
3	50,857	434	304
4	51,290	438	306
5	51,728	441	309
6	52,169	445	312
7	52,614	449	314
8	53,063	453	317
9	53,516	456	320
10	53,972	460	322
11	54,432	464	325
12	54,897	468	328
13	55,365	472	331
14	55,837	476	333
15	56,314	480	336
16	56,794	484	339
17	57,278	489	342
18	57,767	493	345
19	58,260	497	348
20	58,757	501	351
	TOTAL	$9,258	$6,481

LOCAL CD

0.40%

$50,000

36 Month

Credit Union

0.46x (National Avg. - 0.87%)

$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

LOCAL CD

R Bank

0.75%

$50,000

12 Month

Bank

0.89x (National Avg. - 0.84%)

$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

LOCAL CD

Bank of Utah

0.30%

$50,000

6 Month

Bank

0.44x (National Avg. - 0.69%)

$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

LOCAL CD

APPLE

1.00%

$50,000

48 Month

Credit Union

1.05x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

SWEETWATER

0.40%

$50,000

24 Month

Credit Union

0.42x (National Avg. - 0.95%)

$100,000

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

LOCAL CD

MEMBERS 1ST

1.70%

$50,000

60 Month

Credit Union

1.86x (National Avg. - 0.91%)

$75,000

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

MEMBERS 1ST

1.85%

$50,000

60 Month

Credit Union

2.03x (National Avg. - 0.91%)

$500,000

SCENARIO

Year	Rate 1.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	925	648
2	50,925	942	659
3	51,867	960	672
4	52,827	977	684
5	53,804	995	697
6	54,799	1,014	710
7	55,813	1,033	723
8	56,846	1,052	736
9	57,897	1,071	750
10	58,968	1,091	764
11	60,059	1,111	778
12	61,170	1,132	792
13	62,302	1,153	807
14	63,455	1,174	822
15	64,629	1,196	837
16	65,824	1,218	852
17	67,042	1,240	868
18	68,282	1,263	884
19	69,545	1,287	901
20	70,832	1,310	917
	TOTAL	$22,142	$15,500

LOCAL CD

UniBank for Savings

4.76%

$50,000

14 Month

Bank

N.A.

$500

SCENARIO

Year	Rate 4.76%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,380	1,666
2	52,380	2,493	1,745
3	54,873	2,612	1,828
4	57,485	2,736	1,915
5	60,222	2,867	2,007
6	63,088	3,003	2,102
7	66,091	3,146	2,202
8	69,237	3,296	2,307
9	72,533	3,453	2,417
10	75,985	3,617	2,532
11	79,602	3,789	2,652
12	83,391	3,969	2,779
13	87,361	4,158	2,911
14	91,519	4,356	3,049
15	95,875	4,564	3,195
16	100,439	4,781	3,347
17	105,220	5,008	3,506
18	110,228	5,247	3,673
19	115,475	5,497	3,848
20	120,972	5,758	4,031
	TOTAL	$76,730	$53,711

LOCAL CD

Altoona First Savings Bank

0.15%

$50,000

3 Month

Bank

0.01x (National Avg. - 15.29%)

$1,000

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

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Blue Foundry Bank	6.00%	$5,000	Learn More
5 Month CD Special. Must be linked to a standard consumer or business checking account in which 12.6% of the total combined balance is maintained. Otherwise APY is 5.25%.
TotalDirect, a division of City National Bank of Florida	5.51%	$25,000	Learn More
Last change: ↓0.15% on May 13. 3 Month CD.
My e-Banc, a division of Bradesco BAC Florida Bank	5.49%	$50,000	Learn More
Last change: ↑0.09% on March 12. 6 Month Jumbo CD.
Charles Schwab Bank, SSB	5.46%	$1,000	Learn More
Last change: ↓0.05% on May 9.
My e-Banc, a division of Bradesco BAC Florida Bank	5.41%	$50,000	Learn More
Last change: ↓0.36% on March 12. Early Withdrawal Penalty is 3 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from GLOBAL with 0.75% - May 2024

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from GLOBAL with 0.75% - May 2024