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Comparison of Deposit Account from LNB Community Bank with 0.50% - May 2025


Long-Term Analysis of LNB Community Bank with 0.50% APY and MCPHERSON CO-OP with 0.35% APY and FIRST COMMUNITY with 4.00% 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 CD
    LNB Community Bank
    0.50%
    -
    $50,000
    24 Month
    Bank
    0.76x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 2
    LOCAL CD
    MCPHERSON CO-OP
    0.35%
    -
    $50,000
    6 Month
    Credit Union
    0.87x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 177 124
    2 50,177 177 124
    3 50,354 178 124
    4 50,531 178 125
    5 50,710 179 125
    6 50,889 180 126
    7 51,068 180 126
    8 51,249 181 127
    9 51,430 182 127
    10 51,611 182 128
    11 51,793 183 128
    12 51,976 183 128
    13 52,160 184 129
    14 52,344 185 129
    15 52,529 185 130
    16 52,714 186 130
    17 52,900 187 131
    18 53,087 187 131
    19 53,274 188 132
    20 53,462 189 132
    TOTAL $3,651 $2,556
  • 3
    LOCAL CD
    FIRST COMMUNITY
    4.00%
    -
    $50,000
    6 Month
    Credit Union
    9.83x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689

    All calculations are for demonstration purposes only.

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