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Comparison of Deposit Account from Howard Bank with 0.25% - July 2025


Long-Term Analysis of Fortress Bank with 0.85% APY and PHENIX PRIDE with 0.40% APY and GAIN with 0.50% APY and BELLCO with 0.10% APY and Lafayette State Bank with 0.26% APY and PINNACLE with 0.75% APY and Garden Plain State Bank with 1.00% APY and Garden Plain State Bank with 1.12% APY and Garden Plain State Bank with 1.38% APY and Howard Bank with 0.25% APY and Howard Bank with 0.25% APY and RIVERTOWN COMMUNITY with 1.25% APY and First State Bank of Purdy with 1.16% APY and Allegiance Bank with 0.35% APY and LEWIS CLARK with 1.00% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    Fortress Bank
    0.85%
    -
    $50,000
    36 Month
    Bank
    1.13x (National Avg. - 0.75%)
    $50,000
     
    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
  • 2
    LOCAL CD
    PHENIX PRIDE
    0.40%
    -
    $50,000
    6 Month
    Credit Union
    0.98x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 201 140
    2 50,201 201 141
    3 50,402 202 141
    4 50,604 203 142
    5 50,807 204 143
    6 51,011 205 143
    7 51,215 205 144
    8 51,420 206 144
    9 51,627 207 145
    10 51,834 208 145
    11 52,042 209 146
    12 52,250 210 147
    13 52,460 210 147
    14 52,670 211 148
    15 52,881 212 148
    16 53,093 213 149
    17 53,306 214 150
    18 53,520 215 150
    19 53,735 215 151
    20 53,950 216 151
    TOTAL $4,166 $2,917
  • 3
    LOCAL CD
    GAIN
    0.50%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $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
  • 4
    LOCAL SAVINGS
    BELLCO
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.44x (National Avg. - 0.23%)
    $25
     
    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
  • 5
    LOCAL CD
    Lafayette State Bank
    0.26%
    -
    $50,000
    18 Month
    Bank
    0.45x (National Avg. - 0.58%)
    $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
  • 6
    LOCAL CD
    PINNACLE
    0.75%
    -
    $50,000
    36 Month
    Credit Union
    0.99x (National Avg. - 0.75%)
    $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
  • 7
    LOCAL CD
    Garden Plain State Bank
    1.00%
    -
    $50,000
    24 Month
    Bank
    1.51x (National Avg. - 0.66%)
    $100,000
     
    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
  • 8
    LOCAL CD
    Garden Plain State Bank
    1.12%
    -
    $50,000
    36 Month
    Bank
    1.49x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.12%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 560 392
    2 50,560 566 396
    3 51,126 573 401
    4 51,699 579 405
    5 52,278 586 410
    6 52,863 592 414
    7 53,455 599 419
    8 54,054 605 424
    9 54,660 612 429
    10 55,272 619 433
    11 55,891 626 438
    12 56,517 633 443
    13 57,150 640 448
    14 57,790 647 453
    15 58,437 654 458
    16 59,092 662 463
    17 59,753 669 468
    18 60,423 677 474
    19 61,099 684 479
    20 61,784 692 484
    TOTAL $12,476 $8,733
  • 9
    LOCAL CD
    Garden Plain State Bank
    1.38%
    -
    $50,000
    60 Month
    Bank
    1.50x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.38%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 690 483
    2 50,690 700 490
    3 51,390 709 496
    4 52,099 719 503
    5 52,818 729 510
    6 53,547 739 517
    7 54,285 749 524
    8 55,035 759 532
    9 55,794 770 539
    10 56,564 781 546
    11 57,345 791 554
    12 58,136 802 562
    13 58,938 813 569
    14 59,752 825 577
    15 60,576 836 585
    16 61,412 847 593
    17 62,260 859 601
    18 63,119 871 610
    19 63,990 883 618
    20 64,873 895 627
    TOTAL $15,768 $11,038
  • 10
    LOCAL CD
    Howard Bank
    0.25%
    -
    $50,000
    48 Month
    Bank
    0.31x (National Avg. - 0.82%)
    $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
  • 11
    LOCAL CD
    Howard Bank
    0.25%
    -
    $50,000
    60 Month
    Bank
    0.27x (National Avg. - 0.92%)
    $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
  • 12
    LOCAL CD
    RIVERTOWN COMMUNITY
    1.25%
    -
    $50,000
    48 Month
    Credit Union
    1.53x (National Avg. - 0.82%)
    $100,000
     
    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
  • 13
    LOCAL CD
    First State Bank of Purdy
    1.16%
    -
    $50,000
    60 Month
    Bank
    1.26x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.16%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 578 404
    2 50,578 584 409
    3 51,162 591 414
    4 51,753 598 418
    5 52,350 605 423
    6 52,955 612 428
    7 53,567 619 433
    8 54,185 626 438
    9 54,811 633 443
    10 55,444 640 448
    11 56,085 648 453
    12 56,732 655 459
    13 57,388 663 464
    14 58,050 670 469
    15 58,721 678 475
    16 59,399 686 480
    17 60,085 694 486
    18 60,779 702 491
    19 61,481 710 497
    20 62,191 718 503
    TOTAL $12,910 $9,037
  • 14
    LOCAL CD
    Allegiance Bank
    0.35%
    -
    $50,000
    12 Month
    Bank
    0.63x (National Avg. - 0.55%)
    $100,000
     
    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
  • 15
    LOCAL CD
    LEWIS CLARK
    1.00%
    -
    $50,000
    36 Month
    Credit Union
    1.33x (National Avg. - 0.75%)
    $100,000
     
    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

    All calculations are for demonstration purposes only.

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