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Comparison of Deposit Account from Mercantile Bank with 3.65% - August 2025

Long-Term Analysis of First Community Bank with 1.15% APY and Herring Bank with 0.85% APY and UME with 0.75% APY and Savings Bank of Danbury with 1.20% APY and First Bank with 1.06% APY and Bank of Camilla with 0.70% APY and Carver State Bank with 0.25% APY and ROBINS FINANCIAL with 2.35% APY and CIBC Bank USA with 0.20% APY and PCSB Bank with 0.95% APY and COMMUNITY CHOICE with 0.46% APY and Maynard Savings Bank with 0.75% APY and BTC Bank with 1.00% APY and CREDIT UNION 1 with 0.90% APY and First Federal Savings and Loan Association of Central Illinois, S.B. with 1.11% APY and Dieterich Bank with 3.15% APY and SELFRELIANCE with 0.80% APY and The First National Bank of Brownstown with 1.15% APY and Anderson State Bank with 1.10% APY and The First National Bank in Tremont with 0.05% APY and Union Savings Bank with 1.00% APY and INTERRA with 0.40% APY and The First National Bank of Monterey with 0.85% APY and The Fairmount State Bank with 0.15% APY and The Fairmount State Bank with 0.75% APY and The Haviland State Bank with 1.06% APY and Marquette Farmers State Bank of Marquette with 1.25% APY and Garden Plain State Bank with 0.87% APY and Rollstone Bank & Trust with 0.50% APY and FIRST CITIZENS' with 0.75% APY and Machias Savings Bank with 0.75% APY and Mercantile Bank with 3.65% APY and Profinium, Inc. with 2.63% APY and First State Bank and Trust with 0.20% APY and Highland Bank with 0.75% APY and Wadena State Bank with 1.76% APY and Brunswick State Bank with 0.40% APY and NebraskaLand National Bank with 0.50% APY and Platte Valley Bank with 1.05% APY and Homestead Bank with 1.26% APY and Homestead Bank with 1.05% APY and Sugar River Bank with 0.40% APY and Richland State Bank with 1.31% APY and LAS COLINAS with 4.10% APY and Ennis State Bank with 0.90% APY and DOCHES with 1.45% APY and Passumpsic Savings Bank with 0.70% APY and Peoples State Bank of Plainview with 0.90% APY and The Stephenson National Bank and Trust with 0.50% APY and Citizens Bank of West Virginia, Inc. with 0.05% APY and PEN AIR with 2.55% APY and PROVIDENT with 2.61% APY and INNER LAKES with 3.76% APY and TRUSTONE FINANCIAL with 3.50% APY and ANDREWS FEDERAL CREDIT UNION with 5.50% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

First Community Bank

1.15%

$50,000

60 Month

Bank

1.25x (National Avg. - 0.92%)

$5,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

LOCAL CD

Herring Bank

0.85%

$50,000

60 Month

Bank

0.92x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

UME

0.75%

$50,000

60 Month

Credit Union

0.82x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

Savings Bank of Danbury

1.20%

$50,000

48 Month

Bank

1.47x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	600	420
2	50,600	607	425
3	51,207	614	430
4	51,822	622	435
5	52,444	629	441
6	53,073	637	446
7	53,710	645	451
8	54,354	652	457
9	55,007	660	462
10	55,667	668	468
11	56,335	676	473
12	57,011	684	479
13	57,695	692	485
14	58,387	701	490
15	59,088	709	496
16	59,797	718	502
17	60,514	726	508
18	61,240	735	514
19	61,975	744	521
20	62,719	753	527
	TOTAL	$13,472	$9,430

LOCAL CD

First Bank

1.06%

$50,000

60 Month

Bank

1.15x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.06%	Annual Interest	Annual Interest (After Tax)
1	50,000	528	369
2	50,528	533	373
3	51,061	539	377
4	51,599	544	381
5	52,144	550	385
6	52,694	556	389
7	53,250	562	393
8	53,811	568	397
9	54,379	574	402
10	54,953	580	406
11	55,533	586	410
12	56,118	592	414
13	56,711	598	419
14	57,309	605	423
15	57,913	611	428
16	58,524	617	432
17	59,142	624	437
18	59,766	631	441
19	60,396	637	446
20	61,034	644	451
	TOTAL	$11,677	$8,174

LOCAL CD

Bank of Camilla

0.70%

$50,000

12 Month

Bank

1.27x (National Avg. - 0.55%)

$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

LOCAL CD

Carver State Bank

0.25%

$50,000

12 Month

Bank

0.45x (National Avg. - 0.55%)

$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

LOCAL CD

ROBINS FINANCIAL

2.35%

$50,000

24 Month

Credit Union

3.56x (National Avg. - 0.66%)

$500

SCENARIO

Year	Rate 2.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,175	823
2	51,175	1,203	842
3	52,378	1,231	862
4	53,608	1,260	882
5	54,868	1,289	903
6	56,158	1,320	924
7	57,477	1,351	946
8	58,828	1,382	968
9	60,211	1,415	990
10	61,626	1,448	1,014
11	63,074	1,482	1,038
12	64,556	1,517	1,062
13	66,073	1,553	1,087
14	67,626	1,589	1,112
15	69,215	1,627	1,139
16	70,841	1,665	1,165
17	72,506	1,704	1,193
18	74,210	1,744	1,221
19	75,954	1,785	1,249
20	77,739	1,827	1,279
	TOTAL	$29,566	$20,696

LOCAL CD

CIBC Bank USA

0.20%

$50,000

6 Month

Bank

0.49x (National Avg. - 0.41%)

$100,000

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

LOCAL CD

PCSB Bank

0.95%

$50,000

36 Month

Bank

1.26x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	475	333
2	50,475	480	336
3	50,955	484	339
4	51,439	489	342
5	51,927	493	345
6	52,421	498	349
7	52,919	503	352
8	53,421	508	355
9	53,929	512	359
10	54,441	517	362
11	54,958	522	365
12	55,480	527	369
13	56,007	532	372
14	56,540	537	376
15	57,077	542	380
16	57,619	547	383
17	58,166	553	387
18	58,719	558	390
19	59,277	563	394
20	59,840	568	398
	TOTAL	$10,408	$7,286

LOCAL CD

COMMUNITY CHOICE

0.46%

$50,000

18 Month

Credit Union

0.79x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.46%	Annual Interest	Annual Interest (After Tax)
1	50,000	230	161
2	50,230	231	162
3	50,461	232	162
4	50,693	233	163
5	50,926	234	164
6	51,161	235	165
7	51,396	236	165
8	51,632	238	166
9	51,870	239	167
10	52,108	240	168
11	52,348	241	169
12	52,589	242	169
13	52,831	243	170
14	53,074	244	171
15	53,318	245	172
16	53,563	246	172
17	53,810	248	173
18	54,057	249	174
19	54,306	250	175
20	54,556	251	176
	TOTAL	$4,807	$3,365

LOCAL CD

Maynard Savings Bank

0.75%

$50,000

36 Month

Bank

0.99x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

BTC Bank

1.00%

$50,000

24 Month

Bank

1.52x (National Avg. - 0.66%)

$100,000

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

LOCAL CD

CREDIT UNION 1

0.90%

$50,000

48 Month

Credit Union

1.10x (National Avg. - 0.82%)

$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

LOCAL CD

First Federal Savings and Loan Association of Central Illinois, S.B.

1.11%

$50,000

36 Month

Bank

1.47x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.11%	Annual Interest	Annual Interest (After Tax)
1	50,000	555	389
2	50,555	561	393
3	51,116	567	397
4	51,684	574	402
5	52,257	580	406
6	52,837	586	411
7	53,424	593	415
8	54,017	600	420
9	54,616	606	424
10	55,223	613	429
11	55,836	620	434
12	56,455	627	439
13	57,082	634	444
14	57,716	641	448
15	58,356	648	453
16	59,004	655	458
17	59,659	662	464
18	60,321	670	469
19	60,991	677	474
20	61,668	685	479
	TOTAL	$12,352	$8,647

LOCAL CD

Dieterich Bank

3.15%

$50,000

48 Month

Bank

3.86x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 3.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,575	1,103
2	51,575	1,625	1,137
3	53,200	1,676	1,173
4	54,875	1,729	1,210
5	56,604	1,783	1,248
6	58,387	1,839	1,287
7	60,226	1,897	1,328
8	62,123	1,957	1,370
9	64,080	2,019	1,413
10	66,099	2,082	1,457
11	68,181	2,148	1,503
12	70,329	2,215	1,551
13	72,544	2,285	1,600
14	74,829	2,357	1,650
15	77,186	2,431	1,702
16	79,617	2,508	1,756
17	82,125	2,587	1,811
18	84,712	2,668	1,868
19	87,381	2,752	1,927
20	90,133	2,839	1,987
	TOTAL	$42,973	$30,081

LOCAL CD

SELFRELIANCE

0.80%

$50,000

24 Month

Credit Union

1.21x (National Avg. - 0.66%)

$100,000

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

LOCAL CD

The First National Bank of Brownstown

1.15%

$50,000

48 Month

Bank

1.41x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

LOCAL CD

Anderson State Bank

1.10%

$50,000

36 Month

Bank

1.46x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

LOCAL MONEY MARKET

The First National Bank in Tremont

0.05%

$50,000

N.A.

Bank

0.07x (National Avg. - 0.75%)

$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

LOCAL CD

Union Savings Bank

1.00%

$50,000

60 Month

Bank

1.09x (National Avg. - 0.92%)

$10,000

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

LOCAL CD

INTERRA

0.40%

$50,000

18 Month

Credit Union

0.69x (National Avg. - 0.58%)

$10,000

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

LOCAL CD

The First National Bank of Monterey

0.85%

$50,000

12 Month

Bank

1.54x (National Avg. - 0.55%)

$1,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

The Fairmount State Bank

0.15%

$50,000

6 Month

Bank

0.37x (National Avg. - 0.41%)

$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

LOCAL CD

The Fairmount State Bank

0.75%

$50,000

60 Month

Bank

0.82x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

The Haviland State Bank

1.06%

$50,000

24 Month

Bank

1.61x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 1.06%	Annual Interest	Annual Interest (After Tax)
1	50,000	530	371
2	50,530	536	375
3	51,066	541	379
4	51,607	547	383
5	52,154	553	387
6	52,707	559	391
7	53,265	565	395
8	53,830	571	399
9	54,401	577	404
10	54,977	583	408
11	55,560	589	412
12	56,149	595	417
13	56,744	601	421
14	57,346	608	426
15	57,954	614	430
16	58,568	621	435
17	59,189	627	439
18	59,816	634	444
19	60,450	641	449
20	61,091	648	453
	TOTAL	$11,738	$8,217

LOCAL CD

Marquette Farmers State Bank of Marquette

1.25%

$50,000

48 Month

Bank

1.53x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL CD

Garden Plain State Bank

0.87%

$50,000

12 Month

Bank

1.58x (National Avg. - 0.55%)

$10,000

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

LOCAL CD

Rollstone Bank & Trust

0.50%

$50,000

6 Month

Bank

1.22x (National Avg. - 0.41%)

$500

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

LOCAL CD

FIRST CITIZENS'

0.75%

$50,000

36 Month

Credit Union

0.99x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

Machias Savings Bank

0.75%

$50,000

24 Month

Bank

1.14x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

Mercantile Bank

3.65%

$50,000

36 Month

Bank

4.84x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 3.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,825	1,278
2	51,825	1,892	1,324
3	53,717	1,961	1,372
4	55,677	2,032	1,423
5	57,709	2,106	1,474
6	59,816	2,183	1,528
7	61,999	2,263	1,584
8	64,262	2,346	1,642
9	66,608	2,431	1,702
10	69,039	2,520	1,764
11	71,559	2,612	1,828
12	74,171	2,707	1,895
13	76,878	2,806	1,964
14	79,684	2,908	2,036
15	82,592	3,015	2,110
16	85,607	3,125	2,187
17	88,732	3,239	2,267
18	91,970	3,357	2,350
19	95,327	3,479	2,436
20	98,807	3,606	2,525
	TOTAL	$52,413	$36,689

LOCAL CD

Profinium, Inc.

2.63%

$50,000

48 Month

Bank

3.22x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 2.63%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,315	921
2	51,315	1,350	945
3	52,665	1,385	970
4	54,050	1,422	995
5	55,471	1,459	1,021
6	56,930	1,497	1,048
7	58,427	1,537	1,076
8	59,964	1,577	1,104
9	61,541	1,619	1,133
10	63,160	1,661	1,163
11	64,821	1,705	1,193
12	66,525	1,750	1,225
13	68,275	1,796	1,257
14	70,071	1,843	1,290
15	71,914	1,891	1,324
16	73,805	1,941	1,359
17	75,746	1,992	1,394
18	77,738	2,045	1,431
19	79,783	2,098	1,469
20	81,881	2,153	1,507
	TOTAL	$34,034	$23,824

LOCAL CD

First State Bank and Trust

0.20%

$50,000

6 Month

Bank

0.49x (National Avg. - 0.41%)

$100,000

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

LOCAL CD

Highland Bank

0.75%

$50,000

60 Month

Bank

0.82x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

Wadena State Bank

1.76%

$50,000

60 Month

Bank

1.91x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.76%	Annual Interest	Annual Interest (After Tax)
1	50,000	880	616
2	50,880	895	627
3	51,775	911	638
4	52,687	927	649
5	53,614	944	661
6	54,558	960	672
7	55,518	977	684
8	56,495	994	696
9	57,489	1,012	708
10	58,501	1,030	721
11	59,531	1,048	733
12	60,578	1,066	746
13	61,645	1,085	759
14	62,730	1,104	773
15	63,834	1,123	786
16	64,957	1,143	800
17	66,100	1,163	814
18	67,264	1,184	829
19	68,448	1,205	843
20	69,652	1,226	858
	TOTAL	$20,878	$14,615

LOCAL CD

Brunswick State Bank

0.40%

$50,000

6 Month

Bank

0.98x (National Avg. - 0.41%)

$1,000

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

LOCAL CD

NebraskaLand National Bank

0.50%

$50,000

36 Month

Bank

0.66x (National Avg. - 0.75%)

$100,000

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

LOCAL CD

Platte Valley Bank

1.05%

$50,000

60 Month

Bank

1.14x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	525	368
2	50,525	531	371
3	51,056	536	375
4	51,592	542	379
5	52,133	547	383
6	52,681	553	387
7	53,234	559	391
8	53,793	565	395
9	54,358	571	400
10	54,928	577	404
11	55,505	583	408
12	56,088	589	412
13	56,677	595	417
14	57,272	601	421
15	57,873	608	425
16	58,481	614	430
17	59,095	620	434
18	59,716	627	439
19	60,343	634	444
20	60,976	640	448
	TOTAL	$11,616	$8,131

LOCAL CD

Homestead Bank

1.26%

$50,000

60 Month

Bank

1.37x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	630	441
2	50,630	638	447
3	51,268	646	452
4	51,914	654	458
5	52,568	662	464
6	53,230	671	469
7	53,901	679	475
8	54,580	688	481
9	55,268	696	487
10	55,964	705	494
11	56,669	714	500
12	57,384	723	506
13	58,107	732	512
14	58,839	741	519
15	59,580	751	525
16	60,331	760	532
17	61,091	770	539
18	61,861	779	546
19	62,640	789	552
20	63,429	799	559
	TOTAL	$14,229	$9,960

LOCAL CD

Homestead Bank

1.05%

$50,000

60 Month

Bank

1.14x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	525	368
2	50,525	531	371
3	51,056	536	375
4	51,592	542	379
5	52,133	547	383
6	52,681	553	387
7	53,234	559	391
8	53,793	565	395
9	54,358	571	400
10	54,928	577	404
11	55,505	583	408
12	56,088	589	412
13	56,677	595	417
14	57,272	601	421
15	57,873	608	425
16	58,481	614	430
17	59,095	620	434
18	59,716	627	439
19	60,343	634	444
20	60,976	640	448
	TOTAL	$11,616	$8,131

LOCAL CD

Sugar River Bank

0.40%

$50,000

24 Month

Bank

0.61x (National Avg. - 0.66%)

$10,000

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

LOCAL CD

Richland State Bank

1.31%

$50,000

48 Month

Bank

1.60x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.31%	Annual Interest	Annual Interest (After Tax)
1	50,000	655	459
2	50,655	664	465
3	51,319	672	471
4	51,991	681	477
5	52,672	690	483
6	53,362	699	489
7	54,061	708	496
8	54,769	717	502
9	55,487	727	509
10	56,214	736	515
11	56,950	746	522
12	57,696	756	529
13	58,452	766	536
14	59,218	776	543
15	59,993	786	550
16	60,779	796	557
17	61,575	807	565
18	62,382	817	572
19	63,199	828	580
20	64,027	839	587
	TOTAL	$14,866	$10,406

LOCAL CD

LAS COLINAS

4.10%

$50,000

36 Month

Credit Union

5.44x (National Avg. - 0.75%)

$50,000

SCENARIO

Year	Rate 4.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,050	1,435
2	52,050	2,134	1,494
3	54,184	2,222	1,555
4	56,406	2,313	1,619
5	58,718	2,407	1,685
6	61,126	2,506	1,754
7	63,632	2,609	1,826
8	66,241	2,716	1,901
9	68,957	2,827	1,979
10	71,784	2,943	2,060
11	74,727	3,064	2,145
12	77,791	3,189	2,233
13	80,980	3,320	2,324
14	84,300	3,456	2,419
15	87,757	3,598	2,519
16	91,355	3,746	2,622
17	95,100	3,899	2,729
18	98,999	4,059	2,841
19	103,058	4,225	2,958
20	107,284	4,399	3,079
	TOTAL	$61,682	$43,178

LOCAL CD

Ennis State Bank

0.90%

$50,000

12 Month

Bank

1.63x (National Avg. - 0.55%)

$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

LOCAL CD

DOCHES

1.45%

$50,000

36 Month

Credit Union

1.92x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	725	508
2	50,725	736	515
3	51,461	746	522
4	52,207	757	530
5	52,964	768	538
6	53,732	779	545
7	54,511	790	553
8	55,301	802	561
9	56,103	813	569
10	56,917	825	578
11	57,742	837	586
12	58,579	849	595
13	59,428	862	603
14	60,290	874	612
15	61,164	887	621
16	62,051	900	630
17	62,951	913	639
18	63,864	926	648
19	64,790	939	658
20	65,729	953	667
	TOTAL	$16,682	$11,678

LOCAL CD

Passumpsic Savings Bank

0.70%

$50,000

36 Month

Bank

0.93x (National Avg. - 0.75%)

$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

LOCAL CD

Peoples State Bank of Plainview

0.90%

$50,000

36 Month

Bank

1.19x (National Avg. - 0.75%)

$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

LOCAL CD

The Stephenson National Bank and Trust

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

LOCAL CD

Citizens Bank of West Virginia, Inc.

0.05%

$50,000

6 Month

Bank

0.12x (National Avg. - 0.41%)

$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

LOCAL CD

PEN AIR

2.55%

$50,000

15 Month

Credit Union

N.A.

$500

SCENARIO

Year	Rate 2.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,275	893
2	51,275	1,308	915
3	52,583	1,341	939
4	53,923	1,375	963
5	55,298	1,410	987
6	56,709	1,446	1,012
7	58,155	1,483	1,038
8	59,638	1,521	1,065
9	61,158	1,560	1,092
10	62,718	1,599	1,120
11	64,317	1,640	1,148
12	65,957	1,682	1,177
13	67,639	1,725	1,207
14	69,364	1,769	1,238
15	71,133	1,814	1,270
16	72,947	1,860	1,302
17	74,807	1,908	1,335
18	76,714	1,956	1,369
19	78,671	2,006	1,404
20	80,677	2,057	1,440
	TOTAL	$32,734	$22,914

LOCAL CD

PROVIDENT

2.61%

$50,000

48 Month

Credit Union

3.19x (National Avg. - 0.82%)

$50,000

SCENARIO

Year	Rate 2.61%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,305	914
2	51,305	1,339	937
3	52,644	1,374	962
4	54,018	1,410	987
5	55,428	1,447	1,013
6	56,875	1,484	1,039
7	58,359	1,523	1,066
8	59,882	1,563	1,094
9	61,445	1,604	1,123
10	63,049	1,646	1,152
11	64,694	1,689	1,182
12	66,383	1,733	1,213
13	68,116	1,778	1,244
14	69,893	1,824	1,277
15	71,718	1,872	1,310
16	73,589	1,921	1,344
17	75,510	1,971	1,380
18	77,481	2,022	1,416
19	79,503	2,075	1,453
20	81,578	2,129	1,490
	TOTAL	$33,707	$23,595

LOCAL CD

INNER LAKES

3.76%

$50,000

60 Month

Credit Union

4.09x (National Avg. - 0.92%)

$1,000

SCENARIO

Year	Rate 3.76%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,880	1,316
2	51,880	1,951	1,365
3	53,831	2,024	1,417
4	55,855	2,100	1,470
5	57,955	2,179	1,525
6	60,134	2,261	1,583
7	62,395	2,346	1,642
8	64,741	2,434	1,704
9	67,175	2,526	1,768
10	69,701	2,621	1,835
11	72,322	2,719	1,904
12	75,041	2,822	1,975
13	77,863	2,928	2,049
14	80,790	3,038	2,126
15	83,828	3,152	2,206
16	86,980	3,270	2,289
17	90,250	3,393	2,375
18	93,644	3,521	2,465
19	97,165	3,653	2,557
20	100,818	3,791	2,654
	TOTAL	$54,609	$38,226

LOCAL CD

TRUSTONE FINANCIAL

3.50%

$50,000

36 Month

Credit Union

4.64x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

LOCAL CD

ANDREWS FEDERAL CREDIT UNION

5.50%

$50,000

8 Month

Credit Union

N.A.

$1,000

SCENARIO

Year	Rate 5.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,750	1,925
2	52,750	2,901	2,031
3	55,651	3,061	2,143
4	58,712	3,229	2,260
5	61,941	3,407	2,385
6	65,348	3,594	2,516
7	68,942	3,792	2,654
8	72,734	4,000	2,800
9	76,734	4,220	2,954
10	80,955	4,453	3,117
11	85,407	4,697	3,288
12	90,105	4,956	3,469
13	95,060	5,228	3,660
14	100,289	5,516	3,861
15	105,805	5,819	4,073
16	111,624	6,139	4,298
17	117,763	6,477	4,534
18	124,240	6,833	4,783
19	131,073	7,209	5,046
20	138,282	7,606	5,324
	TOTAL	$95,888	$67,122

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.

Compare Savings vs. CDs Comparison of Deposit Account from Mercantile Bank with 3.65% - August 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Mercantile Bank with 3.65% - August 2025