Compare Savings vs. CDs
Comparison of Deposit Account from Guaranty Bank and Trust Company with 0.56%
- October 2026
Long-Term Analysis of Farmers State Bank of Munith with 0.15% APY and Farmers State Bank of Munith with 0.07% APY and Guaranty Bank and Trust Company with 0.56% 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
- 1LOCAL CD0.15%-$50,00012 MonthBank0.27x (National Avg. - 0.55%)$10,000SCENARIO
Year Rate
0.15%Annual
InterestAnnual 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 - 2LOCAL MONEY MARKET0.07%-$50,000N.A.Bank0.13x (National Avg. - 0.55%)$25,000SCENARIO
Year Rate
0.07%Annual
InterestAnnual Interest
(After Tax)1 50,000 35 25 2 50,035 35 25 3 50,070 35 25 4 50,105 35 25 5 50,140 35 25 6 50,175 35 25 7 50,210 35 25 8 50,246 35 25 9 50,281 35 25 10 50,316 35 25 11 50,351 35 25 12 50,386 35 25 13 50,422 35 25 14 50,457 35 25 15 50,492 35 25 16 50,528 35 25 17 50,563 35 25 18 50,598 35 25 19 50,634 35 25 20 50,669 35 25 TOTAL $705 $493 - 3LOCAL CD0.56%-$50,00060 MonthBank0.60x (National Avg. - 0.93%)$10,000SCENARIO
Year Rate
0.56%Annual
InterestAnnual Interest
(After Tax)1 50,000 280 196 2 50,280 282 197 3 50,562 283 198 4 50,845 285 199 5 51,129 286 200 6 51,416 288 202 7 51,704 290 203 8 51,993 291 204 9 52,284 293 205 10 52,577 294 206 11 52,872 296 207 12 53,168 298 208 13 53,465 299 210 14 53,765 301 211 15 54,066 303 212 16 54,369 304 213 17 54,673 306 214 18 54,979 308 216 19 55,287 310 217 20 55,597 311 218 TOTAL $5,908 $4,136
All calculations are for demonstration purposes only.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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Take your savings to the next level with our 12-month online CD special! 12-Month |
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4.95% |
$10,000 |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
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Last change: ↑0.30% on October 1. |
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4.65% |
$1,000 |
Learn More | |
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Last change: ↑0.35% on September 25. |
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