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Comparison of Deposit Account from Holmes County Bank & Trust Company with 0.42% - August 2025


Long-Term Analysis of Academy Bank, National Association with 0.70% APY and Holmes County Bank & Trust Company with 0.42% 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
    Academy Bank, National Association
    0.70%
    -
    $50,000
    24 Month
    Bank
    1.06x (National Avg. - 0.66%)
    $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
  • 2
    LOCAL CD
    Holmes County Bank & Trust Company
    0.42%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    0.42%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 210 147
    2 50,210 211 148
    3 50,421 212 148
    4 50,633 213 149
    5 50,845 214 149
    6 51,059 214 150
    7 51,273 215 151
    8 51,489 216 151
    9 51,705 217 152
    10 51,922 218 153
    11 52,140 219 153
    12 52,359 220 154
    13 52,579 221 155
    14 52,800 222 155
    15 53,022 223 156
    16 53,244 224 157
    17 53,468 225 157
    18 53,693 226 158
    19 53,918 226 159
    20 54,144 227 159
    TOTAL $4,372 $3,060

    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: ↑0.40% on June 24.
    Early withdrawal penalty is 3 Months' Interest.

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

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    Last Update on August 8, 2025

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