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Comparison of Deposit Account from INDIANHEAD with 0.70% - May 2025


Long-Term Analysis of First Savanna Savings Bank with 0.25% APY and First Savanna Savings Bank with 0.45% APY and INDIANHEAD with 0.70% 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 SAVINGS
    First Savanna Savings Bank
    0.25%
    -
    $50,000
    N.A.
    Bank
    1.12x (National Avg. - 0.22%)
    $2,500
     
    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
  • 2
    LOCAL CD
    First Savanna Savings Bank
    0.45%
    -
    $50,000
    24 Month
    Bank
    0.68x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 3
    LOCAL CD
    INDIANHEAD
    0.70%
    -
    $50,000
    12 Month
    Credit Union
    1.27x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 351 246
    2 50,351 353 247
    3 50,704 356 249
    4 51,060 358 251
    5 51,419 361 253
    6 51,780 363 254
    7 52,143 366 256
    8 52,509 369 258
    9 52,878 371 260
    10 53,249 374 262
    11 53,623 376 264
    12 53,999 379 265
    13 54,378 382 267
    14 54,760 384 269
    15 55,145 387 271
    16 55,532 390 273
    17 55,922 393 275
    18 56,314 395 277
    19 56,709 398 279
    20 57,108 401 281
    TOTAL $7,508 $5,256

    All calculations are for demonstration purposes only.

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