Compare Savings vs. CDs
Comparison of Deposit Account from Municipal Trust and Savings Bank with 0.28%
- October 2026
Long-Term Analysis of First Financial Bank, National Association with 0.30% APY and The Atlanta National Bank with 1.25% APY and Farmers National Bank with 3.30% APY and Municipal Trust and Savings Bank with 0.28% APY and Bank of O'Fallon 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.
You May Choose More Savings or CD Products From Among these Popular Products to Compare
- 1LOCAL CD0.30%-$50,00036 MonthBank0.40x (National Avg. - 0.76%)$100,000SCENARIO
Year Rate
0.30%Annual
InterestAnnual 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 - 2LOCAL CD1.25%-$50,00060 MonthBank1.35x (National Avg. - 0.93%)$100,000SCENARIO
Year Rate
1.25%Annual
InterestAnnual Interest
(After Tax)1 50,000 625 438 2 50,625 633 443 3 51,258 641 449 4 51,899 649 454 5 52,547 657 460 6 53,204 665 466 7 53,869 673 471 8 54,543 682 477 9 55,224 690 483 10 55,915 699 489 11 56,614 708 495 12 57,321 717 502 13 58,038 725 508 14 58,763 735 514 15 59,498 744 521 16 60,241 753 527 17 60,994 762 534 18 61,757 772 540 19 62,529 782 547 20 63,310 791 554 TOTAL $14,102 $9,871 - 3LOCAL CD3.30%-$50,00048 MonthBank4.00x (National Avg. - 0.82%)$500SCENARIO
Year Rate
3.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,650 1,155 2 51,650 1,704 1,193 3 53,354 1,761 1,232 4 55,115 1,819 1,273 5 56,934 1,879 1,315 6 58,813 1,941 1,359 7 60,754 2,005 1,403 8 62,758 2,071 1,450 9 64,829 2,139 1,498 10 66,969 2,210 1,547 11 69,179 2,283 1,598 12 71,462 2,358 1,651 13 73,820 2,436 1,705 14 76,256 2,516 1,762 15 78,772 2,599 1,820 16 81,372 2,685 1,880 17 84,057 2,774 1,942 18 86,831 2,865 2,006 19 89,697 2,960 2,072 20 92,657 3,058 2,140 TOTAL $45,714 $32,000 - 4LOCAL CD0.28%-$50,00024 MonthBank0.42x (National Avg. - 0.67%)$10,000SCENARIO
Year Rate
0.28%Annual
InterestAnnual Interest
(After Tax)1 50,000 140 98 2 50,140 140 98 3 50,280 141 99 4 50,421 141 99 5 50,562 142 99 6 50,704 142 99 7 50,846 142 100 8 50,988 143 100 9 51,131 143 100 10 51,274 144 100 11 51,418 144 101 12 51,562 144 101 13 51,706 145 101 14 51,851 145 102 15 51,996 146 102 16 52,142 146 102 17 52,288 146 102 18 52,434 147 103 19 52,581 147 103 20 52,728 148 103 TOTAL $2,876 $2,013 - 5LOCAL CD0.30%-$50,00012 MonthBank0.54x (National Avg. - 0.55%)$100,000SCENARIO
Year Rate
0.30%Annual
InterestAnnual 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.
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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Decide once. Earn for a year. A full year of predictable earnings with our 12-Month Jumbo CD. 12-Month |
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5.00% |
$10,000 |
Learn More | |
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Last change: ↑0.05% on October 8. |
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4.95% |
$10,000 |
Learn More | |
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Last change: ↑0.10% on October 8. |
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4.85% |
$10,000 |
Learn More | |
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Last change: ↑0.05% on October 8. |
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4.75% |
$0 |
Learn More | |
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Last change: ↑0.40% on October 11. |
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