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Comparison of Deposit Account from Happy State Bank with 0.26% - November 2025


Long-Term Analysis of CROSSROADS FINANCIAL with 0.16% APY and Happy State Bank with 0.21% APY and Happy State Bank with 0.26% 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
    CROSSROADS FINANCIAL
    0.16%
    -
    $50,000
    24 Month
    Credit Union
    0.24x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.16%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 80 56
    2 50,080 80 56
    3 50,160 80 56
    4 50,240 80 56
    5 50,321 81 56
    6 50,401 81 56
    7 50,482 81 57
    8 50,563 81 57
    9 50,644 81 57
    10 50,725 81 57
    11 50,806 81 57
    12 50,887 81 57
    13 50,968 82 57
    14 51,050 82 57
    15 51,132 82 57
    16 51,214 82 57
    17 51,295 82 57
    18 51,378 82 58
    19 51,460 82 58
    20 51,542 82 58
    TOTAL $1,625 $1,137
  • 2
    LOCAL CD
    Happy State Bank
    0.21%
    -
    $50,000
    12 Month
    Bank
    0.38x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.21%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 105 74
    2 50,105 105 74
    3 50,210 105 74
    4 50,316 106 74
    5 50,421 106 74
    6 50,527 106 74
    7 50,633 106 74
    8 50,740 107 75
    9 50,846 107 75
    10 50,953 107 75
    11 51,060 107 75
    12 51,167 107 75
    13 51,275 108 75
    14 51,382 108 76
    15 51,490 108 76
    16 51,598 108 76
    17 51,707 109 76
    18 51,815 109 76
    19 51,924 109 76
    20 52,033 109 76
    TOTAL $2,142 $1,500
  • 3
    LOCAL CD
    Happy State Bank
    0.26%
    -
    $50,000
    36 Month
    Bank
    0.34x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.26%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 130 91
    2 50,130 130 91
    3 50,260 131 91
    4 50,391 131 92
    5 50,522 131 92
    6 50,653 132 92
    7 50,785 132 92
    8 50,917 132 93
    9 51,050 133 93
    10 51,182 133 93
    11 51,315 133 93
    12 51,449 134 94
    13 51,583 134 94
    14 51,717 134 94
    15 51,851 135 94
    16 51,986 135 95
    17 52,121 136 95
    18 52,257 136 95
    19 52,392 136 95
    20 52,529 137 96
    TOTAL $2,665 $1,866

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↓0.10% on October 13.

    Last change: ↓0.15% on October 13.

    Last change: ↓0.15% on November 26.

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