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Comparison of Deposit Account from Heartland State Bank with 0.95% - August 2025


Long-Term Analysis of Heartland State Bank with 0.58% APY and Heartland State Bank with 0.95% 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
    Heartland State Bank
    0.58%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.58%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 290 203
    2 50,290 292 204
    3 50,582 293 205
    4 50,875 295 207
    5 51,170 297 208
    6 51,467 299 209
    7 51,765 300 210
    8 52,066 302 211
    9 52,368 304 213
    10 52,671 305 214
    11 52,977 307 215
    12 53,284 309 216
    13 53,593 311 218
    14 53,904 313 219
    15 54,217 314 220
    16 54,531 316 221
    17 54,847 318 223
    18 55,166 320 224
    19 55,485 322 225
    20 55,807 324 227
    TOTAL $6,131 $4,292
  • 2
    LOCAL CD
    Heartland State Bank
    0.95%
    -
    $50,000
    60 Month
    Bank
    1.03x (National Avg. - 0.92%)
    $10,000
     
    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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.10% on July 13.

    Last change: ↓0.05% on August 2.
    7-Month CD.

    Last change: ↓0.05% on April 30.
    Early Withdrawal Penalty is 3 months interest.

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    Last Update on August 17, 2025

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