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Comparison of Deposit Account from Milledgeville State Bank with 1.00% - December 2025


Long-Term Analysis of Milledgeville State Bank with 1.00% APY and BAYER HERITAGE with 3.87% APY and T Bank, National Association with 4.15% APY and Texas National Bank of Jacksonville with 1.21% APY and Texas National Bank of Jacksonville with 1.26% APY and Texas National Bank of Jacksonville with 0.15% APY and HomeTown Bank, National Association with 0.15% 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
    Milledgeville State Bank
    1.00%
    -
    $50,000
    60 Month
    Bank
    1.08x (National Avg. - 0.92%)
    $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
  • 2
    LOCAL CD
    BAYER HERITAGE
    3.87%
    -
    $50,000
    36 Month
    Credit Union
    5.14x (National Avg. - 0.75%)
    $100
     
    SCENARIO
    Year Rate
    3.87%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,937 1,356
    2 51,937 2,012 1,408
    3 53,948 2,089 1,463
    4 56,037 2,170 1,519
    5 58,208 2,254 1,578
    6 60,462 2,342 1,639
    7 62,804 2,432 1,703
    8 65,236 2,527 1,769
    9 67,763 2,624 1,837
    10 70,387 2,726 1,908
    11 73,113 2,832 1,982
    12 75,945 2,941 2,059
    13 78,886 3,055 2,139
    14 81,942 3,174 2,222
    15 85,115 3,297 2,308
    16 88,412 3,424 2,397
    17 91,836 3,557 2,490
    18 95,393 3,695 2,586
    19 99,087 3,838 2,686
    20 102,925 3,986 2,790
    TOTAL $56,911 $39,838
  • 3
    LOCAL CD
    T Bank, National Association
    4.15%
    -
    $50,000
    6 Month
    Bank
    10.27x (National Avg. - 0.40%)
    $25,000
     
    SCENARIO
    Year Rate
    4.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,075 1,453
    2 52,075 2,161 1,513
    3 54,236 2,251 1,576
    4 56,487 2,344 1,641
    5 58,831 2,441 1,709
    6 61,273 2,543 1,780
    7 63,815 2,648 1,854
    8 66,464 2,758 1,931
    9 69,222 2,873 2,011
    10 72,095 2,992 2,094
    11 75,087 3,116 2,181
    12 78,203 3,245 2,272
    13 81,448 3,380 2,366
    14 84,828 3,520 2,464
    15 88,349 3,666 2,567
    16 92,015 3,819 2,673
    17 95,834 3,977 2,784
    18 99,811 4,142 2,900
    19 103,953 4,314 3,020
    20 108,267 4,493 3,145
    TOTAL $62,760 $43,932
  • 4
    LOCAL CD
    Texas National Bank of Jacksonville
    1.21%
    -
    $50,000
    24 Month
    Bank
    1.84x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    1.21%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 605 424
    2 50,605 612 429
    3 51,217 620 434
    4 51,837 627 439
    5 52,464 635 444
    6 53,099 642 450
    7 53,742 650 455
    8 54,392 658 461
    9 55,050 666 466
    10 55,716 674 472
    11 56,390 682 478
    12 57,073 691 483
    13 57,763 699 489
    14 58,462 707 495
    15 59,170 716 501
    16 59,885 725 507
    17 60,610 733 513
    18 61,343 742 520
    19 62,086 751 526
    20 62,837 760 532
    TOTAL $13,597 $9,518
  • 5
    LOCAL CD
    Texas National Bank of Jacksonville
    1.26%
    -
    $50,000
    36 Month
    Bank
    1.67x (National Avg. - 0.75%)
    $100,000
     
    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
  • 6
    LOCAL SAVINGS
    Texas National Bank of Jacksonville
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.66x (National Avg. - 0.23%)
    $2,500
     
    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
  • 7
    LOCAL MONEY MARKET
    HomeTown Bank, National Association
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.66x (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

    All calculations are for demonstration purposes only.

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