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Comparison of Deposit Account from Iowa Trust and Savings Bank with 0.05% - May 2025


Long-Term Analysis of Iowa Trust and Savings Bank with 0.05% APY and ASCENTRA with 0.20% APY and ST. ANNE'S with 100.00% 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.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL MONEY MARKET
    Iowa Trust and Savings Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    LOCAL MONEY MARKET
    ASCENTRA
    0.20%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 3
    LOCAL CD
    ST. ANNE'S
    100.00%
    -
    $50,000
    60 Month
    Credit Union
    108.81x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    100.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50,000 35,000
    2 100,000 100,000 70,000
    3 200,000 200,000 140,000
    4 400,000 400,000 280,000
    5 800,000 800,000 560,000
    6 1,600,000 1,600,000 1,120,000
    7 3,200,000 3,200,000 2,240,000
    8 6,400,000 6,400,000 4,480,000
    9 12,800,000 12,800,000 8,960,000
    10 25,600,000 25,600,000 17,920,000
    11 51,200,000 51,200,000 35,840,000
    12 102,400,000 102,400,000 71,680,000
    13 204,800,000 204,800,000 143,360,000
    14 409,600,000 409,600,000 286,720,000
    15 819,200,000 819,200,000 573,440,000
    16 1,638,400,000 1,638,400,000 1,146,880,000
    17 3,276,800,000 3,276,800,000 2,293,760,000
    18 6,553,600,000 6,553,600,000 4,587,520,000
    19 13,107,200,000 13,107,200,000 9,175,040,000
    20 26,214,400,000 26,214,400,000 18,350,080,000
    TOTAL $52,428,750,000 $36,700,125,000

    All calculations are for demonstration purposes only.

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