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Comparison of Deposit Account from Metro City Bank with 0.33% - December 2025


Long-Term Analysis of Metro City Bank with 0.33% APY and Farmers & Merchants Bank with 0.70% APY and Milford Federal Bank with 0.45% 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
    Metro City Bank
    0.33%
    -
    $50,000
    60 Month
    Bank
    0.36x (National Avg. - 0.92%)
    $1,000
     
    SCENARIO
    Year Rate
    0.33%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 165 116
    2 50,165 166 116
    3 50,331 166 116
    4 50,497 167 117
    5 50,663 167 117
    6 50,830 168 117
    7 50,998 168 118
    8 51,166 169 118
    9 51,335 169 119
    10 51,505 170 119
    11 51,675 171 119
    12 51,845 171 120
    13 52,016 172 120
    14 52,188 172 121
    15 52,360 173 121
    16 52,533 173 121
    17 52,706 174 122
    18 52,880 175 122
    19 53,055 175 123
    20 53,230 176 123
    TOTAL $3,406 $2,384
  • 2
    LOCAL CD
    Farmers & Merchants Bank
    0.70%
    -
    $50,000
    36 Month
    Bank
    0.93x (National Avg. - 0.75%)
    $100,000
     
    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
    Milford Federal Bank
    0.45%
    -
    $50,000
    12 Month
    Bank
    0.82x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↑0.05% on December 1.

    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.15% on November 26.

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