• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from MONTANA HEALTH with 0.40% - August 2025


Long-Term Analysis of First Bankers Trust Company, National Association with 0.25% APY and MONTANA HEALTH with 0.40% APY and FINANCIAL BUILDERS with 4.56% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    First Bankers Trust Company, National Association
    0.25%
    -
    $50,000
    24 Month
    Bank
    0.38x (National Avg. - 0.66%)
    $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
  • 2
    LOCAL CD
    MONTANA HEALTH
    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 50,000 201 140
    2 50,201 201 141
    3 50,402 202 141
    4 50,604 203 142
    5 50,807 204 143
    6 51,011 205 143
    7 51,215 205 144
    8 51,420 206 144
    9 51,627 207 145
    10 51,834 208 145
    11 52,042 209 146
    12 52,250 210 147
    13 52,460 210 147
    14 52,670 211 148
    15 52,881 212 148
    16 53,093 213 149
    17 53,306 214 150
    18 53,520 215 150
    19 53,735 215 151
    20 53,950 216 151
    TOTAL $4,166 $2,917
  • 3
    LOCAL CD
    FINANCIAL BUILDERS
    4.56%
    -
    $50,000
    13 Month
    Credit Union
    N.A.
    $500
     
    SCENARIO
    Year Rate
    4.56%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,280 1,596
    2 52,280 2,384 1,669
    3 54,664 2,493 1,745
    4 57,157 2,606 1,824
    5 59,763 2,725 1,908
    6 62,488 2,849 1,995
    7 65,338 2,979 2,086
    8 68,317 3,115 2,181
    9 71,432 3,257 2,280
    10 74,690 3,406 2,384
    11 78,095 3,561 2,493
    12 81,657 3,724 2,606
    13 85,380 3,893 2,725
    14 89,273 4,071 2,850
    15 93,344 4,257 2,980
    16 97,601 4,451 3,115
    17 102,051 4,654 3,257
    18 106,705 4,866 3,406
    19 111,571 5,088 3,561
    20 116,658 5,320 3,724
    TOTAL $71,978 $50,385

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.10% on July 13.

    Last change: ↓0.05% on August 2.
    7-Month CD.

    Last change: ↓0.05% on April 30.
    Early Withdrawal Penalty is 3 months interest.

    Reddit

    Featured on:

    Copyright © 2025 BestCashCow.com, LLC. All Rights Reserved. Our Terms and Conditions. Privacy Policy + CCPA.

    Disclosure Governing Your Use of this Website | Advertising Disclosure

    Last Update on August 19, 2025

    This page was created in 0.0854 seconds.