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Comparison of Deposit Account from JD Bank with 0.90% - June 2025


Long-Term Analysis of Summit State Bank with 1.39% APY and CABRILLO with 0.70% APY and EMORY ALLIANCE with 0.90% APY and The Citizens State Bank with 0.64% APY and The Walton State Bank with 0.80% APY and JD Bank with 0.90% APY and CHANGING SEASONS with 0.30% APY and Sunnyside Federal Savings and Loan Association of Irvington with 2.50% APY and TEXOMA EDUCATORS with 0.10% APY and VIRGINIA BEACH SCHOOLS with 0.25% 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
    Summit State Bank
    1.39%
    -
    $50,000
    60 Month
    Bank
    1.51x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.39%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 695 487
    2 50,695 705 493
    3 51,400 714 500
    4 52,114 724 507
    5 52,839 734 514
    6 53,573 745 521
    7 54,318 755 529
    8 55,073 766 536
    9 55,838 776 543
    10 56,614 787 551
    11 57,401 798 559
    12 58,199 809 566
    13 59,008 820 574
    14 59,828 832 582
    15 60,660 843 590
    16 61,503 855 598
    17 62,358 867 607
    18 63,225 879 615
    19 64,104 891 624
    20 64,995 903 632
    TOTAL $15,898 $11,129
  • 2
    LOCAL CD
    CABRILLO
    0.70%
    -
    $50,000
    24 Month
    Credit Union
    1.06x (National Avg. - 0.66%)
    $10,000
     
    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
  • 3
    LOCAL CD
    EMORY ALLIANCE
    0.90%
    -
    $50,000
    60 Month
    Credit Union
    0.98x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 4
    LOCAL CD
    The Citizens State Bank
    0.64%
    -
    $50,000
    18 Month
    Bank
    1.10x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.64%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 320 224
    2 50,320 322 225
    3 50,642 324 227
    4 50,966 326 228
    5 51,292 328 230
    6 51,621 330 231
    7 51,951 332 233
    8 52,283 335 234
    9 52,618 337 236
    10 52,955 339 237
    11 53,294 341 239
    12 53,635 343 240
    13 53,978 345 242
    14 54,324 348 243
    15 54,671 350 245
    16 55,021 352 246
    17 55,373 354 248
    18 55,728 357 250
    19 56,084 359 251
    20 56,443 361 253
    TOTAL $6,804 $4,763
  • 5
    LOCAL CD
    The Walton State Bank
    0.80%
    -
    $50,000
    18 Month
    Bank
    1.38x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 6
    LOCAL CD
    JD Bank
    0.90%
    -
    $50,000
    12 Month
    Bank
    1.63x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 7
    LOCAL CD
    CHANGING SEASONS
    0.30%
    -
    $50,000
    6 Month
    Credit Union
    0.73x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 8
    LOCAL CD
    Sunnyside Federal Savings and Loan Association of Irvington
    2.50%
    -
    $50,000
    24 Month
    Bank
    3.78x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    2.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,250 875
    2 51,250 1,281 897
    3 52,531 1,313 919
    4 53,845 1,346 942
    5 55,191 1,380 966
    6 56,570 1,414 990
    7 57,985 1,450 1,015
    8 59,434 1,486 1,040
    9 60,920 1,523 1,066
    10 62,443 1,561 1,093
    11 64,004 1,600 1,120
    12 65,604 1,640 1,148
    13 67,244 1,681 1,177
    14 68,926 1,723 1,206
    15 70,649 1,766 1,236
    16 72,415 1,810 1,267
    17 74,225 1,856 1,299
    18 76,081 1,902 1,331
    19 77,983 1,950 1,365
    20 79,933 1,998 1,399
    TOTAL $31,931 $22,352
  • 9
    LOCAL MONEY MARKET
    TEXOMA EDUCATORS
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.15x (National Avg. - 0.66%)
    $25,000
     
    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
  • 10
    LOCAL CD
    VIRGINIA BEACH SCHOOLS
    0.25%
    -
    $50,000
    24 Month
    Credit Union
    0.38x (National Avg. - 0.66%)
    $100,000
     
    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

    All calculations are for demonstration purposes only.

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