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Comparison of Deposit Account from Ledyard National Bank with 0.15% - November 2026


Long-Term Analysis of Valley Premier Bank with 0.05% APY and Iowa State Bank with 0.15% APY and Iowa State Bank with 0.99% APY and STAR Financial Bank with 0.02% APY and First National Bank with 0.05% APY and Gate City Bank with 0.03% APY and Hometown Community Bank with 0.30% APY and KANSAS CITY with 0.25% APY and Tioga State Bank with 0.06% APY and Cattaraugus County Bank with 0.05% APY and ASSEMBLIES OF GOD with 0.25% APY and Texas Regional Bank with 0.03% APY and Ledyard National Bank with 0.15% APY and Genesee Regional Bank with 1.00% APY and Tompkins Community Bank with 0.40% 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
    Valley Premier Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $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
    Iowa State Bank
    0.15%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 3
    LOCAL MONEY MARKET
    Iowa State Bank
    0.99%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $50,000
     
    SCENARIO
    Year Rate
    0.99%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 495 347
    2 50,495 500 350
    3 50,995 505 353
    4 51,500 510 357
    5 52,010 515 360
    6 52,524 520 364
    7 53,044 525 368
    8 53,570 530 371
    9 54,100 536 375
    10 54,636 541 379
    11 55,176 546 382
    12 55,723 552 386
    13 56,274 557 390
    14 56,831 563 394
    15 57,394 568 398
    16 57,962 574 402
    17 58,536 580 406
    18 59,116 585 410
    19 59,701 591 414
    20 60,292 597 418
    TOTAL $10,889 $7,622
  • 4
    LOCAL SAVINGS
    STAR Financial Bank
    0.02%
    -
    $50,000
    N.A.
    Bank
    0.09x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 10 7
    2 50,010 10 7
    3 50,020 10 7
    4 50,030 10 7
    5 50,040 10 7
    6 50,050 10 7
    7 50,060 10 7
    8 50,070 10 7
    9 50,080 10 7
    10 50,090 10 7
    11 50,100 10 7
    12 50,110 10 7
    13 50,120 10 7
    14 50,130 10 7
    15 50,140 10 7
    16 50,150 10 7
    17 50,160 10 7
    18 50,170 10 7
    19 50,180 10 7
    20 50,190 10 7
    TOTAL $200 $140
  • 5
    LOCAL MONEY MARKET
    First National Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.21x (National Avg. - 0.23%)
    $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
  • 6
    LOCAL MONEY MARKET
    Gate City Bank
    0.03%
    -
    $50,000
    N.A.
    Bank
    0.13x (National Avg. - 0.23%)
    $10,000
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 7
    LOCAL MONEY MARKET
    Hometown Community Bank
    0.30%
    -
    $50,000
    N.A.
    Bank
    1.28x (National Avg. - 0.23%)
    $2,500
     
    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 MONEY MARKET
    KANSAS CITY
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    1.07x (National Avg. - 0.23%)
    $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
  • 9
    LOCAL MONEY MARKET
    Tioga State Bank
    0.06%
    -
    $50,000
    N.A.
    Bank
    0.26x (National Avg. - 0.23%)
    $25,000
     
    SCENARIO
    Year Rate
    0.06%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 30 21
    2 50,030 30 21
    3 50,060 30 21
    4 50,090 30 21
    5 50,120 30 21
    6 50,150 30 21
    7 50,180 30 21
    8 50,210 30 21
    9 50,241 30 21
    10 50,271 30 21
    11 50,301 30 21
    12 50,331 30 21
    13 50,361 30 21
    14 50,391 30 21
    15 50,422 30 21
    16 50,452 30 21
    17 50,482 30 21
    18 50,512 30 21
    19 50,543 30 21
    20 50,573 30 21
    TOTAL $603 $422
  • 10
    LOCAL MONEY MARKET
    Cattaraugus County Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.21x (National Avg. - 0.23%)
    $10,000
     
    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
  • 11
    LOCAL MONEY MARKET
    ASSEMBLIES OF GOD
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    1.07x (National Avg. - 0.23%)
    $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
  • 12
    LOCAL SAVINGS
    Texas Regional Bank
    0.03%
    -
    $50,000
    N.A.
    Bank
    0.13x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 13
    LOCAL MONEY MARKET
    Ledyard National Bank
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.64x (National Avg. - 0.23%)
    $25,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 14
    LOCAL MONEY MARKET
    Genesee Regional Bank
    1.00%
    -
    $50,000
    N.A.
    Bank
    4.27x (National Avg. - 0.23%)
    $500,000
     
    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
  • 15
    LOCAL SAVINGS
    Tompkins Community Bank
    0.40%
    -
    $50,000
    N.A.
    Bank
    1.71x (National Avg. - 0.23%)
    $150,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909

    All calculations are for demonstration purposes only.

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