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Comparison of Deposit Account from MOUNTAINCREST with 0.75% - May 2025

Long-Term Analysis of Americana Community Bank with 0.12% APY and The Riley State Bank of Riley, Kansas with 0.40% APY and FORT DODGE FAMILY with 0.40% APY and NINNESCAH VALLEY BANK with 0.45% APY and The City State Bank with 0.15% APY and South Shore Bank with 0.01% APY and HERITAGE SOUTH with 0.96% APY and EDUCATIONAL EMPLOYEES with 3.56% APY and Native American Bank, National Association with 0.35% APY and Century Savings and Loan Association with 0.60% APY and WILMINGTON POLICE & FIRE with 0.15% APY and Georgia Community Bank with 1.26% APY and HAWAII LAW ENFORCEMENT with 0.30% APY and VERIDIAN with 2.20% APY and Liberty National Bank with 0.90% APY and Banner Bank with 2.02% APY and Regions Bank with 0.01% APY and Streator Home Savings Bank with 0.60% APY and Bank of Bluffs with 0.40% APY and Liberty Bank for Savings with 0.20% APY and FCN Bank, National Association with 4.50% APY and BancCentral, National Association with 0.85% APY and DAVIESS COUNTY TEACHERS with 0.75% APY and SOUTHWEST LOUISIANA with 0.20% APY and MASS BAY with 3.35% APY and First National Bank of America with 3.83% APY and Village Bank with 0.60% APY and The Peoples Bank, Biloxi, Mississippi with 0.32% APY and Gate City Bank with 0.02% APY and Community Bank, National Association with 0.30% APY and NORTHERN with 0.10% APY and First Federal Savings and Loan Association of Lakewood with 0.15% APY and CENTURY with 0.50% APY and PATRIOT with 0.65% APY and First National Bank of Pennsylvania with 0.80% APY and NORTH EAST TEXAS with 0.21% APY and RIVER CITY with 0.90% APY and MOUNTAINCREST with 0.75% APY and The Pleasants County Bank with 0.65% APY and First Hope Bank, A National Banking Association with 0.60% APY and M.Y. SAFRA BANK, FSB with 2.00% 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 SAVINGS

Americana Community Bank

0.12%

$50,000

N.A.

Bank

0.54x (National Avg. - 0.22%)

$50

SCENARIO

Year	Rate 0.12%	Annual Interest	Annual Interest (After Tax)
1	50,000	60	42
2	50,060	60	42
3	50,120	60	42
4	50,180	60	42
5	50,240	60	42
6	50,301	60	42
7	50,361	60	42
8	50,422	61	42
9	50,482	61	42
10	50,543	61	42
11	50,603	61	43
12	50,664	61	43
13	50,725	61	43
14	50,786	61	43
15	50,847	61	43
16	50,908	61	43
17	50,969	61	43
18	51,030	61	43
19	51,091	61	43
20	51,152	61	43
	TOTAL	$1,214	$850

LOCAL MONEY MARKET

The Riley State Bank of Riley, Kansas

0.40%

$50,000

N.A.

Bank

1.79x (National Avg. - 0.22%)

$25,000

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 SAVINGS

FORT DODGE FAMILY

0.40%

$50,000

N.A.

Credit Union

1.79x (National Avg. - 0.22%)

$2,500

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

NINNESCAH VALLEY BANK

0.45%

$50,000

6 Month

Bank

1.11x (National Avg. - 0.41%)

$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

LOCAL MONEY MARKET

The City State Bank

0.15%

$50,000

N.A.

Bank

0.37x (National Avg. - 0.41%)

$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

LOCAL SAVINGS

South Shore Bank

0.01%

$50,000

N.A.

Bank

0.04x (National Avg. - 0.22%)

SCENARIO

Year	Rate 0.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	5	4
2	50,005	5	4
3	50,010	5	4
4	50,015	5	4
5	50,020	5	4
6	50,025	5	4
7	50,030	5	4
8	50,035	5	4
9	50,040	5	4
10	50,045	5	4
11	50,050	5	4
12	50,055	5	4
13	50,060	5	4
14	50,065	5	4
15	50,070	5	4
16	50,075	5	4
17	50,080	5	4
18	50,085	5	4
19	50,090	5	4
20	50,095	5	4
	TOTAL	$100	$70

LOCAL CD

HERITAGE SOUTH

0.96%

$50,000

36 Month

Credit Union

1.27x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.96%	Annual Interest	Annual Interest (After Tax)
1	50,000	480	336
2	50,480	485	339
3	50,965	489	342
4	51,454	494	346
5	51,948	499	349
6	52,447	503	352
7	52,950	508	356
8	53,458	513	359
9	53,972	518	363
10	54,490	523	366
11	55,013	528	370
12	55,541	533	373
13	56,074	538	377
14	56,612	543	380
15	57,156	549	384
16	57,705	554	388
17	58,259	559	391
18	58,818	565	395
19	59,382	570	399
20	59,953	576	403
	TOTAL	$10,528	$7,370

LOCAL CD

EDUCATIONAL EMPLOYEES

3.56%

$50,000

24 Month

Credit Union

5.40x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 3.56%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,780	1,246
2	51,780	1,843	1,290
3	53,623	1,909	1,336
4	55,532	1,977	1,384
5	57,509	2,047	1,433
6	59,557	2,120	1,484
7	61,677	2,196	1,537
8	63,873	2,274	1,592
9	66,146	2,355	1,648
10	68,501	2,439	1,707
11	70,940	2,525	1,768
12	73,465	2,615	1,831
13	76,081	2,708	1,896
14	78,789	2,805	1,963
15	81,594	2,905	2,033
16	84,499	3,008	2,106
17	87,507	3,115	2,181
18	90,622	3,226	2,258
19	93,848	3,341	2,339
20	97,189	3,460	2,422
	TOTAL	$50,649	$35,455

LOCAL CD

Native American Bank, National Association

0.35%

$50,000

24 Month

Bank

0.53x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	175	123
2	50,175	176	123
3	50,351	176	123
4	50,527	177	124
5	50,704	177	124
6	50,881	178	125
7	51,059	179	125
8	51,238	179	126
9	51,417	180	126
10	51,597	181	126
11	51,778	181	127
12	51,959	182	127
13	52,141	182	128
14	52,323	183	128
15	52,507	184	129
16	52,690	184	129
17	52,875	185	130
18	53,060	186	130
19	53,245	186	130
20	53,432	187	131
	TOTAL	$3,619	$2,533

LOCAL CD

Century Savings and Loan Association

0.60%

$50,000

12 Month

Bank

1.09x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL SAVINGS

WILMINGTON POLICE & FIRE

0.15%

$50,000

N.A.

Credit Union

0.67x (National Avg. - 0.22%)

$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

LOCAL CD

Georgia Community Bank

1.26%

$50,000

48 Month

Bank

1.54x (National Avg. - 0.82%)

$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

LOCAL MONEY MARKET

HAWAII LAW ENFORCEMENT

0.30%

$50,000

N.A.

Credit Union

0.37x (National Avg. - 0.82%)

$25,000

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

LOCAL CD

VERIDIAN

2.20%

$50,000

12 Month

Credit Union

3.99x (National Avg. - 0.55%)

$1,000

SCENARIO

Year	Rate 2.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,100	770
2	51,100	1,124	787
3	52,224	1,149	804
4	53,373	1,174	822
5	54,547	1,200	840
6	55,747	1,226	859
7	56,974	1,253	877
8	58,227	1,281	897
9	59,508	1,309	916
10	60,817	1,338	937
11	62,155	1,367	957
12	63,523	1,398	978
13	64,920	1,428	1,000
14	66,349	1,460	1,022
15	67,808	1,492	1,044
16	69,300	1,525	1,067
17	70,825	1,558	1,091
18	72,383	1,592	1,115
19	73,975	1,627	1,139
20	75,603	1,663	1,164
	TOTAL	$27,266	$19,086

LOCAL CD

Liberty National Bank

0.90%

$50,000

36 Month

Bank

1.20x (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 SAVINGS

Banner Bank

2.02%

$50,000

N.A.

Bank

9.06x (National Avg. - 0.22%)

$25,000

SCENARIO

Year	Rate 2.02%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,010	707
2	51,010	1,030	721
3	52,040	1,051	736
4	53,092	1,072	751
5	54,164	1,094	766
6	55,258	1,116	781
7	56,374	1,139	797
8	57,513	1,162	813
9	58,675	1,185	830
10	59,860	1,209	846
11	61,069	1,234	864
12	62,303	1,259	881
13	63,561	1,284	899
14	64,845	1,310	917
15	66,155	1,336	935
16	67,492	1,363	954
17	68,855	1,391	974
18	70,246	1,419	993
19	71,665	1,448	1,013
20	73,112	1,477	1,034
	TOTAL	$24,589	$17,212

LOCAL CD

Regions Bank

0.01%

$50,000

24 Month

Bank

0.02x (National Avg. - 0.66%)

$2,500

SCENARIO

Year	Rate 0.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	5	4
2	50,005	5	4
3	50,010	5	4
4	50,015	5	4
5	50,020	5	4
6	50,025	5	4
7	50,030	5	4
8	50,035	5	4
9	50,040	5	4
10	50,045	5	4
11	50,050	5	4
12	50,055	5	4
13	50,060	5	4
14	50,065	5	4
15	50,070	5	4
16	50,075	5	4
17	50,080	5	4
18	50,085	5	4
19	50,090	5	4
20	50,095	5	4
	TOTAL	$100	$70

LOCAL CD

Streator Home Savings Bank

0.60%

$50,000

18 Month

Bank

1.03x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

Bank of Bluffs

0.40%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.58%)

$100,000

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

Liberty Bank for Savings

0.20%

$50,000

48 Month

Bank

0.25x (National Avg. - 0.82%)

$10,000

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

FCN Bank, National Association

4.50%

$50,000

12 Month

Bank

8.17x (National Avg. - 0.55%)

$1,000

SCENARIO

Year	Rate 4.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,250	1,575
2	52,250	2,351	1,646
3	54,601	2,457	1,720
4	57,058	2,568	1,797
5	59,626	2,683	1,878
6	62,309	2,804	1,963
7	65,113	2,930	2,051
8	68,043	3,062	2,143
9	71,105	3,200	2,240
10	74,305	3,344	2,341
11	77,648	3,494	2,446
12	81,143	3,651	2,556
13	84,794	3,816	2,671
14	88,610	3,987	2,791
15	92,597	4,167	2,917
16	96,764	4,354	3,048
17	101,119	4,550	3,185
18	105,669	4,755	3,329
19	110,424	4,969	3,478
20	115,393	5,193	3,635
	TOTAL	$70,586	$49,410

LOCAL CD

BancCentral, National Association

0.85%

$50,000

36 Month

Bank

1.13x (National Avg. - 0.75%)

$10,000

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

DAVIESS COUNTY TEACHERS

0.75%

$50,000

36 Month

Credit Union

1.00x (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 MONEY MARKET

SOUTHWEST LOUISIANA

0.20%

$50,000

N.A.

Credit Union

0.27x (National Avg. - 0.75%)

$2,500

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

MASS BAY

3.35%

$50,000

60 Month

Credit Union

3.65x (National Avg. - 0.92%)

$500

SCENARIO

Year	Rate 3.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,675	1,173
2	51,675	1,731	1,212
3	53,406	1,789	1,252
4	55,195	1,849	1,294
5	57,044	1,911	1,338
6	58,955	1,975	1,383
7	60,930	2,041	1,429
8	62,971	2,110	1,477
9	65,081	2,180	1,526
10	67,261	2,253	1,577
11	69,514	2,329	1,630
12	71,843	2,407	1,685
13	74,250	2,487	1,741
14	76,737	2,571	1,799
15	79,308	2,657	1,860
16	81,965	2,746	1,922
17	84,711	2,838	1,986
18	87,548	2,933	2,053
19	90,481	3,031	2,122
20	93,512	3,133	2,193
	TOTAL	$46,645	$32,652

LOCAL CD

First National Bank of America

3.83%

$50,000

60 Month

Bank

4.17x (National Avg. - 0.92%)

$1,000

SCENARIO

Year	Rate 3.83%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,915	1,341
2	51,915	1,988	1,392
3	53,903	2,064	1,445
4	55,968	2,144	1,500
5	58,111	2,226	1,558
6	60,337	2,311	1,618
7	62,648	2,399	1,680
8	65,047	2,491	1,744
9	67,539	2,587	1,811
10	70,125	2,686	1,880
11	72,811	2,789	1,952
12	75,600	2,895	2,027
13	78,495	3,006	2,104
14	81,502	3,122	2,185
15	84,623	3,241	2,269
16	87,864	3,365	2,356
17	91,230	3,494	2,446
18	94,724	3,628	2,540
19	98,352	3,767	2,637
20	102,118	3,911	2,738
	TOTAL	$56,030	$39,221

LOCAL CD

Village Bank

0.60%

$50,000

12 Month

Bank

1.09x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

The Peoples Bank, Biloxi, Mississippi

0.32%

$50,000

12 Month

Bank

0.58x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.32%	Annual Interest	Annual Interest (After Tax)
1	50,000	160	112
2	50,160	161	112
3	50,321	161	113
4	50,482	162	113
5	50,643	162	113
6	50,805	163	114
7	50,968	163	114
8	51,131	164	115
9	51,294	164	115
10	51,459	165	115
11	51,623	165	116
12	51,788	166	116
13	51,954	166	116
14	52,120	167	117
15	52,287	167	117
16	52,455	168	117
17	52,622	168	118
18	52,791	169	118
19	52,960	169	119
20	53,129	170	119
	TOTAL	$3,299	$2,309

LOCAL SAVINGS

Gate City Bank

0.02%

$50,000

N.A.

Bank

0.09x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.02%	Annual Interest	Annual Interest (After Tax)
1	50,000	10	7
2	50,010	10	7
3	50,020	10	7
4	50,030	10	7
5	50,040	10	7
6	50,050	10	7
7	50,060	10	7
8	50,070	10	7
9	50,080	10	7
10	50,090	10	7
11	50,100	10	7
12	50,110	10	7
13	50,120	10	7
14	50,130	10	7
15	50,140	10	7
16	50,150	10	7
17	50,160	10	7
18	50,170	10	7
19	50,180	10	7
20	50,190	10	7
	TOTAL	$200	$140

LOCAL CD

Community Bank, National Association

0.30%

$50,000

60 Month

Bank

0.33x (National Avg. - 0.92%)

$10,000

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

LOCAL CD

NORTHERN

0.10%

$50,000

12 Month

Credit Union

0.18x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL SAVINGS

First Federal Savings and Loan Association of Lakewood

0.15%

$50,000

N.A.

Bank

0.67x (National Avg. - 0.22%)

$15,000

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

CENTURY

0.50%

$50,000

48 Month

Credit Union

0.61x (National Avg. - 0.82%)

$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

PATRIOT

0.65%

$50,000

12 Month

Credit Union

1.18x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

First National Bank of Pennsylvania

0.80%

$50,000

60 Month

Bank

0.87x (National Avg. - 0.92%)

$10,000

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 MONEY MARKET

NORTH EAST TEXAS

0.21%

$50,000

N.A.

Credit Union

0.23x (National Avg. - 0.92%)

$25,000

SCENARIO

Year	Rate 0.21%	Annual Interest	Annual Interest (After Tax)
1	50,000	105	74
2	50,105	105	74
3	50,210	105	74
4	50,316	106	74
5	50,421	106	74
6	50,527	106	74
7	50,633	106	74
8	50,740	107	75
9	50,846	107	75
10	50,953	107	75
11	51,060	107	75
12	51,167	107	75
13	51,275	108	75
14	51,382	108	76
15	51,490	108	76
16	51,598	108	76
17	51,707	109	76
18	51,815	109	76
19	51,924	109	76
20	52,033	109	76
	TOTAL	$2,142	$1,500

LOCAL CD

RIVER CITY

0.90%

$50,000

48 Month

Credit Union

1.10x (National Avg. - 0.82%)

$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

MOUNTAINCREST

0.75%

$50,000

12 Month

Credit Union

1.36x (National Avg. - 0.55%)

$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

The Pleasants County Bank

0.65%

$50,000

60 Month

Bank

0.71x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

First Hope Bank, A National Banking Association

0.60%

$50,000

48 Month

Bank

0.74x (National Avg. - 0.82%)

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL SAVINGS

M.Y. SAFRA BANK, FSB

2.00%

$50,000

N.A.

Bank

8.97x (National Avg. - 0.22%)

$5,000

SCENARIO

Year	Rate 2.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,000	700
2	51,000	1,020	714
3	52,020	1,040	728
4	53,060	1,061	743
5	54,122	1,082	758
6	55,204	1,104	773
7	56,308	1,126	788
8	57,434	1,149	804
9	58,583	1,172	820
10	59,755	1,195	837
11	60,950	1,219	853
12	62,169	1,243	870
13	63,412	1,268	888
14	64,680	1,294	906
15	65,974	1,319	924
16	67,293	1,346	942
17	68,639	1,373	961
18	70,012	1,400	980
19	71,412	1,428	1,000
20	72,841	1,457	1,020
	TOTAL	$24,297	$17,008

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.
My e-Banc, a division of Bradesco BAC Florida Bank	4.50%	$50,000	Learn More
Last change: ↓0.05% on April 30. 6 Month Jumbo CD.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Goldman Sachs Bank	4.50%	$500	Learn More
Last change: ↓0.50% on February 25.

Compare Savings vs. CDs Comparison of Deposit Account from MOUNTAINCREST with 0.75% - May 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from MOUNTAINCREST with 0.75% - May 2025