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Comparison of Deposit Account from Ledyard National Bank with 0.25% - August 2025


Long-Term Analysis of Ledyard National Bank with 0.25% APY and Alliance Bank with 0.87% 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
    Ledyard National Bank
    0.25%
    -
    $50,000
    18 Month
    Bank
    0.43x (National Avg. - 0.58%)
    $10,000
     
    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
  • 2
    LOCAL CD
    Alliance Bank
    0.87%
    -
    $50,000
    24 Month
    Bank
    1.32x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.87%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 435 305
    2 50,435 439 307
    3 50,874 443 310
    4 51,316 446 313
    5 51,763 450 315
    6 52,213 454 318
    7 52,667 458 321
    8 53,126 462 324
    9 53,588 466 326
    10 54,054 470 329
    11 54,524 474 332
    12 54,999 478 335
    13 55,477 483 338
    14 55,960 487 341
    15 56,447 491 344
    16 56,938 495 347
    17 57,433 500 350
    18 57,933 504 353
    19 58,437 508 356
    20 58,945 513 359
    TOTAL $9,458 $6,621

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

    Last change: ↓0.05% on April 30.
    Early Withdrawal Penalty is 3 months interest.

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    Last Update on August 15, 2025

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