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Comparison of Deposit Account from Morton Community Bank with 2.21% - January 2026


Long-Term Analysis of Morton Community Bank with 2.21% APY and First American Bank and Trust with 0.30% 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
    Morton Community Bank
    2.21%
    -
    $50,000
    36 Month
    Bank
    2.93x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    2.21%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,105 774
    2 51,105 1,129 791
    3 52,234 1,154 808
    4 53,389 1,180 826
    5 54,569 1,206 844
    6 55,775 1,233 863
    7 57,007 1,260 882
    8 58,267 1,288 901
    9 59,555 1,316 921
    10 60,871 1,345 942
    11 62,216 1,375 962
    12 63,591 1,405 984
    13 64,997 1,436 1,005
    14 66,433 1,468 1,028
    15 67,901 1,501 1,050
    16 69,402 1,534 1,074
    17 70,936 1,568 1,097
    18 72,503 1,602 1,122
    19 74,106 1,638 1,146
    20 75,743 1,674 1,172
    TOTAL $27,417 $19,192
  • 2
    LOCAL CD
    First American Bank and Trust
    0.30%
    -
    $50,000
    6 Month
    Bank
    0.74x (National Avg. - 0.40%)
    $100,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161

    All calculations are for demonstration purposes only.

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