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Compare Savings vs. CDs
Comparison of Deposit Account from Mutual Savings Association with 1.15% - August 2025

Long-Term Analysis of The Sherwood State Bank with 0.20% APY and Bank of Yazoo City with 0.75% APY and The State Savings Bank of Manistique with 1.10% APY and The First National Bank and Trust Company with 0.23% APY and The First National Bank of Cokato with 0.85% APY and SUNSTATE with 0.20% APY and Spratt Savings Bank with 1.61% APY and Herring Bank with 0.40% APY and Freedom Bank with 1.11% APY and Security Bank of Crawford with 1.25% APY and GERBER with 0.90% APY and Johnson Bank with 3.83% APY and USALLIANCE with 4.00% APY and EagleBank with 4.40% APY and DOVER with 3.50% APY and Trustmark National Bank with 0.65% APY and COMMUNITY SOUTH with 3.03% APY and DADE COUNTY with 0.50% APY and EDUCATIONAL with 3.55% APY and Renasant Bank with 0.25% APY and PrimeSouth Bank with 0.50% APY and JUSTICE with 0.79% APY and Tandem Bank with 1.31% APY and Peach State Bank & Trust with 0.50% APY and Westside State Bank with 0.60% APY and The Farmers State Bank with 1.20% APY and Pinnacle Bank with 0.41% APY and Pinnacle Bank with 0.44% APY and Ashton State Bank with 1.26% APY and Glacier Bank with 0.65% APY and GLOBAL with 0.20% APY and HORIZON with 0.50% APY and First Federal Savings and Loan Association of Central Illinois, S.B. with 1.21% APY and Evergreen Bank Group with 3.25% APY and Union Savings Bank with 0.70% APY and The Farmers and Merchants Bank with 0.25% APY and The Farmers and Merchants Bank with 0.25% APY and The First National Bank of Monterey with 1.11% APY and HERITAGE with 2.10% APY and Emprise Bank with 3.50% APY and Swedish-American State Bank with 1.36% APY and Mutual Savings Association with 1.15% APY and PARTNERS 1ST with 0.25% APY and PARTNERS 1ST with 0.10% APY and NBH Bank with 0.30% APY and ESB Financial with 1.21% APY and Prescott State Bank with 0.60% APY and Eagle Bank with 3.70% APY and Florence Bank with 2.96% APY and Florence Bank with 1.00% APY and Bay State Savings Bank with 1.00% APY and Dean Co-operative Bank with 2.00% APY and FREEDOM OF MARYLAND with 0.90% APY and FEDFINANCIAL with 0.17% APY and Norway Savings Bank with 0.55% APY and SAFE HARBOR with 1.30% APY and Old National Bank with 0.40% APY and First Security Bank - Sleepy Eye with 0.50% APY and ProGrowth Bank with 0.90% APY and BNC National Bank with 0.45% APY and The First National Bank of Coleraine with 1.00% APY and State Bank of Taunton with 0.75% APY and Lowry State Bank with 1.72% APY and Bank of Commerce with 0.50% APY and BNA Bank with 0.55% APY and Eagle Bank with 0.30% APY and BILLINGS with 0.65% APY and Peoples Bank with 1.21% APY and Butte State Bank with 0.35% APY and Bank of Elgin with 0.95% APY and Citizens State Bank with 1.00% APY and Homestead Bank with 0.80% APY and Henderson State Bank with 1.60% APY and Columbus Bank and Trust Company with 0.30% APY and York State Bank with 0.45% APY and York State Bank with 0.60% APY and LINCONE with 0.50% APY and First Central Bank with 0.65% APY and ONE with 0.55% APY and Alma Bank with 0.60% APY and RUTGERS with 0.25% APY and Haddon Savings Bank with 2.70% APY and The Citizens Bank of Clovis with 0.90% APY and NIAGARA'S CHOICE with 0.10% APY and JUSTICE with 0.55% APY and The Hocking Valley Bank with 0.20% APY and Community Bank with 0.50% APY and Firstar Bank with 0.30% APY and FNB Coweta with 0.45% APY and The First National Bank in Marlow with 0.95% APY and PROVIDENCE with 0.40% APY and DISCOVERY with 4.50% APY and AFFILIATED TRADES with 0.95% APY and HORIZON with 0.95% APY and LISTERHILL with 3.36% APY and BOC Bank with 0.75% APY and GEICO with 1.00% APY and JUSTICE with 0.97% APY and NexBank with 3.29% APY and Citizens State Bank with 1.15% APY and Carmine State Bank with 0.85% APY and HOUSTON with 1.25% APY and Freedom Bank with 1.10% APY and TRANSWEST with 0.85% APY and Farmers and Miners Bank with 0.45% APY and Farmers and Miners Bank with 0.50% APY and Pinnacle Bank with 0.60% APY and Passumpsic Savings Bank with 0.40% APY and Waumandee State Bank with 0.80% APY and Citizens State Bank with 0.70% APY and Old National Bank with 0.20% APY and DANE COUNTY with 0.50% APY and DANE COUNTY with 0.80% APY and Peoples State Bank of Plainview with 0.95% APY and Intercity State Bank with 0.85% APY and FIRST CHOICE with 0.96% APY and CHESSIE with 1.36% APY and BCBank, Inc. with 0.50% APY and ROMNEY with 1.51% APY and PEN AIR with 5.00% APY and First Bank of the Lake with 4.65% APY and OneLocal Bank with 3.50% APY and The Bank of Canton with 0.20% 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 CD

The Sherwood State Bank

0.20%

$50,000

12 Month

Bank

0.36x (National Avg. - 0.55%)

$1,000

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

Bank of Yazoo City

0.75%

$50,000

48 Month

Bank

0.92x (National Avg. - 0.82%)

$500

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 State Savings Bank of Manistique

1.10%

$50,000

36 Month

Bank

1.46x (National Avg. - 0.75%)

$1,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

LOCAL CD

The First National Bank and Trust Company

0.23%

$50,000

24 Month

Bank

0.35x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 0.23%	Annual Interest	Annual Interest (After Tax)
1	50,000	115	81
2	50,115	115	81
3	50,230	116	81
4	50,346	116	81
5	50,462	116	81
6	50,578	116	81
7	50,694	117	82
8	50,811	117	82
9	50,927	117	82
10	51,045	117	82
11	51,162	118	82
12	51,280	118	83
13	51,398	118	83
14	51,516	118	83
15	51,634	119	83
16	51,753	119	83
17	51,872	119	84
18	51,991	120	84
19	52,111	120	84
20	52,231	120	84
	TOTAL	$2,351	$1,646

LOCAL CD

The First National Bank of Cokato

0.85%

$50,000

36 Month

Bank

1.13x (National Avg. - 0.75%)

$1,000

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

SUNSTATE

0.20%

$50,000

6 Month

Credit Union

0.49x (National Avg. - 0.41%)

$1,000

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

Spratt Savings Bank

1.61%

$50,000

48 Month

Bank

1.97x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 1.61%	Annual Interest	Annual Interest (After Tax)
1	50,000	805	564
2	50,805	818	573
3	51,623	831	582
4	52,454	845	591
5	53,299	858	601
6	54,157	872	610
7	55,029	886	620
8	55,915	900	630
9	56,815	915	640
10	57,730	929	651
11	58,659	944	661
12	59,603	960	672
13	60,563	975	683
14	61,538	991	694
15	62,529	1,007	705
16	63,536	1,023	716
17	64,558	1,039	728
18	65,598	1,056	739
19	66,654	1,073	751
20	67,727	1,090	763
	TOTAL	$18,818	$13,172

LOCAL CD

Herring Bank

0.40%

$50,000

12 Month

Bank

0.72x (National Avg. - 0.55%)

$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

Freedom Bank

1.11%

$50,000

36 Month

Bank

1.47x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.11%	Annual Interest	Annual Interest (After Tax)
1	50,000	553	387
2	50,553	559	391
3	51,111	565	395
4	51,676	571	400
5	52,247	577	404
6	52,824	584	409
7	53,408	590	413
8	53,998	597	418
9	54,595	603	422
10	55,198	610	427
11	55,808	617	432
12	56,425	623	436
13	57,048	630	441
14	57,679	637	446
15	58,316	644	451
16	58,960	652	456
17	59,612	659	461
18	60,270	666	466
19	60,936	673	471
20	61,610	681	477
	TOTAL	$12,291	$8,603

LOCAL CD

Security Bank of Crawford

1.25%

$50,000

36 Month

Bank

1.66x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual 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

LOCAL CD

GERBER

0.90%

$50,000

36 Month

Credit Union

1.19x (National Avg. - 0.75%)

$100,000

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

Johnson Bank

3.83%

$50,000

6 Month

Bank

9.36x (National Avg. - 0.41%)

$2,000

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

USALLIANCE

4.00%

$50,000

36 Month

Credit Union

5.31x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 4.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,000	1,400
2	52,000	2,080	1,456
3	54,080	2,163	1,514
4	56,243	2,250	1,575
5	58,493	2,340	1,638
6	60,833	2,433	1,703
7	63,266	2,531	1,771
8	65,797	2,632	1,842
9	68,428	2,737	1,916
10	71,166	2,847	1,993
11	74,012	2,960	2,072
12	76,973	3,079	2,155
13	80,052	3,202	2,241
14	83,254	3,330	2,331
15	86,584	3,463	2,424
16	90,047	3,602	2,521
17	93,649	3,746	2,622
18	97,395	3,896	2,727
19	101,291	4,052	2,836
20	105,342	4,214	2,950
	TOTAL	$59,556	$41,689

LOCAL CD

EagleBank

4.40%

$50,000

24 Month

Bank

6.67x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 4.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,200	1,540
2	52,200	2,297	1,608
3	54,497	2,398	1,679
4	56,895	2,503	1,752
5	59,398	2,614	1,829
6	62,012	2,729	1,910
7	64,740	2,849	1,994
8	67,589	2,974	2,082
9	70,563	3,105	2,173
10	73,667	3,241	2,269
11	76,909	3,384	2,369
12	80,293	3,533	2,473
13	83,825	3,688	2,582
14	87,514	3,851	2,695
15	91,364	4,020	2,814
16	95,384	4,197	2,938
17	99,581	4,382	3,067
18	103,963	4,574	3,202
19	108,537	4,776	3,343
20	113,313	4,986	3,490
	TOTAL	$68,299	$47,809

LOCAL CD

DOVER

3.50%

$50,000

24 Month

Credit Union

5.30x (National Avg. - 0.66%)

$500

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

LOCAL CD

Trustmark National Bank

0.65%

$50,000

60 Month

Bank

0.71x (National Avg. - 0.92%)

$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

COMMUNITY SOUTH

3.03%

$50,000

36 Month

Credit Union

4.02x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 3.03%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,515	1,061
2	51,515	1,561	1,093
3	53,076	1,608	1,126
4	54,684	1,657	1,160
5	56,341	1,707	1,195
6	58,048	1,759	1,231
7	59,807	1,812	1,269
8	61,619	1,867	1,307
9	63,486	1,924	1,347
10	65,410	1,982	1,387
11	67,392	2,042	1,429
12	69,434	2,104	1,473
13	71,538	2,168	1,517
14	73,705	2,233	1,563
15	75,938	2,301	1,611
16	78,239	2,371	1,659
17	80,610	2,442	1,710
18	83,053	2,516	1,762
19	85,569	2,593	1,815
20	88,162	2,671	1,870
	TOTAL	$40,833	$28,583

LOCAL CD

DADE COUNTY

0.50%

$50,000

6 Month

Credit Union

1.22x (National Avg. - 0.41%)

$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

EDUCATIONAL

3.55%

$50,000

18 Month

Credit Union

6.11x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 3.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,775	1,243
2	51,775	1,838	1,287
3	53,613	1,903	1,332
4	55,516	1,971	1,380
5	57,487	2,041	1,429
6	59,528	2,113	1,479
7	61,641	2,188	1,532
8	63,829	2,266	1,586
9	66,095	2,346	1,642
10	68,442	2,430	1,701
11	70,871	2,516	1,761
12	73,387	2,605	1,824
13	75,993	2,698	1,888
14	78,690	2,794	1,955
15	81,484	2,893	2,025
16	84,377	2,995	2,097
17	87,372	3,102	2,171
18	90,474	3,212	2,248
19	93,685	3,326	2,328
20	97,011	3,444	2,411
	TOTAL	$50,455	$35,319

LOCAL CD

Renasant Bank

0.25%

$50,000

12 Month

Bank

0.45x (National Avg. - 0.55%)

$100,000

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

LOCAL CD

PrimeSouth Bank

0.50%

$50,000

18 Month

Bank

0.86x (National Avg. - 0.58%)

$10,000

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

JUSTICE

0.79%

$50,000

24 Month

Credit Union

1.19x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.79%	Annual Interest	Annual Interest (After Tax)
1	50,000	393	275
2	50,393	396	277
3	50,788	399	279
4	51,187	402	281
5	51,589	405	283
6	51,994	408	286
7	52,402	411	288
8	52,813	415	290
9	53,228	418	292
10	53,645	421	295
11	54,067	424	297
12	54,491	428	299
13	54,919	431	302
14	55,350	434	304
15	55,784	438	307
16	56,222	441	309
17	56,664	445	311
18	57,108	448	314
19	57,557	452	316
20	58,009	455	319
	TOTAL	$8,464	$5,925

LOCAL CD

Tandem Bank

1.31%

$50,000

48 Month

Bank

1.60x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.31%	Annual Interest	Annual Interest (After Tax)
1	50,000	655	459
2	50,655	664	465
3	51,319	672	471
4	51,991	681	477
5	52,672	690	483
6	53,362	699	489
7	54,061	708	496
8	54,769	717	502
9	55,487	727	509
10	56,214	736	515
11	56,950	746	522
12	57,696	756	529
13	58,452	766	536
14	59,218	776	543
15	59,993	786	550
16	60,779	796	557
17	61,575	807	565
18	62,382	817	572
19	63,199	828	580
20	64,027	839	587
	TOTAL	$14,866	$10,406

LOCAL CD

Peach State Bank & Trust

0.50%

$50,000

24 Month

Bank

0.76x (National Avg. - 0.66%)

$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

Westside State Bank

0.60%

$50,000

24 Month

Bank

0.91x (National Avg. - 0.66%)

$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 Farmers State Bank

1.20%

$50,000

60 Month

Bank

1.30x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	600	420
2	50,600	607	425
3	51,207	614	430
4	51,822	622	435
5	52,444	629	441
6	53,073	637	446
7	53,710	645	451
8	54,354	652	457
9	55,007	660	462
10	55,667	668	468
11	56,335	676	473
12	57,011	684	479
13	57,695	692	485
14	58,387	701	490
15	59,088	709	496
16	59,797	718	502
17	60,514	726	508
18	61,240	735	514
19	61,975	744	521
20	62,719	753	527
	TOTAL	$13,472	$9,430

LOCAL CD

Pinnacle Bank

0.41%

$50,000

12 Month

Bank

0.74x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.41%	Annual Interest	Annual Interest (After Tax)
1	50,000	205	144
2	50,205	206	144
3	50,411	207	145
4	50,618	208	145
5	50,825	208	146
6	51,033	209	146
7	51,243	210	147
8	51,453	211	148
9	51,664	212	148
10	51,876	213	149
11	52,088	214	149
12	52,302	214	150
13	52,516	215	151
14	52,732	216	151
15	52,948	217	152
16	53,165	218	153
17	53,383	219	153
18	53,602	220	154
19	53,821	221	154
20	54,042	222	155
	TOTAL	$4,264	$2,985

LOCAL CD

Pinnacle Bank

0.44%

$50,000

24 Month

Bank

0.67x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.44%	Annual Interest	Annual Interest (After Tax)
1	50,000	220	154
2	50,220	221	155
3	50,441	222	155
4	50,663	223	156
5	50,886	224	157
6	51,110	225	157
7	51,335	226	158
8	51,560	227	159
9	51,787	228	160
10	52,015	229	160
11	52,244	230	161
12	52,474	231	162
13	52,705	232	162
14	52,937	233	163
15	53,170	234	164
16	53,404	235	164
17	53,639	236	165
18	53,875	237	166
19	54,112	238	167
20	54,350	239	167
	TOTAL	$4,589	$3,212

LOCAL CD

Ashton State Bank

1.26%

$50,000

36 Month

Bank

1.67x (National Avg. - 0.75%)

$10,000

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 CD

Glacier Bank

0.65%

$50,000

36 Month

Bank

0.86x (National Avg. - 0.75%)

$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

GLOBAL

0.20%

$50,000

6 Month

Credit Union

0.49x (National Avg. - 0.41%)

$100,000

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

HORIZON

0.50%

$50,000

6 Month

Credit Union

1.22x (National Avg. - 0.41%)

$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

First Federal Savings and Loan Association of Central Illinois, S.B.

1.21%

$50,000

48 Month

Bank

1.48x (National Avg. - 0.82%)

$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

LOCAL CD

Evergreen Bank Group

3.25%

$50,000

36 Month

Bank

4.31x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 3.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,625	1,138
2	51,625	1,678	1,174
3	53,303	1,732	1,213
4	55,035	1,789	1,252
5	56,824	1,847	1,293
6	58,671	1,907	1,335
7	60,577	1,969	1,378
8	62,546	2,033	1,423
9	64,579	2,099	1,469
10	66,678	2,167	1,517
11	68,845	2,237	1,566
12	71,082	2,310	1,617
13	73,392	2,385	1,670
14	75,778	2,463	1,724
15	78,240	2,543	1,780
16	80,783	2,625	1,838
17	83,409	2,711	1,898
18	86,119	2,799	1,959
19	88,918	2,890	2,023
20	91,808	2,984	2,089
	TOTAL	$44,792	$31,354

LOCAL CD

Union Savings Bank

0.70%

$50,000

24 Month

Bank

1.06x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

The Farmers and Merchants Bank

0.25%

$50,000

12 Month

Bank

0.45x (National Avg. - 0.55%)

$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

LOCAL CD

The Farmers and Merchants Bank

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

LOCAL CD

The First National Bank of Monterey

1.11%

$50,000

36 Month

Bank

1.47x (National Avg. - 0.75%)

$1,000

SCENARIO

Year	Rate 1.11%	Annual Interest	Annual Interest (After Tax)
1	50,000	555	389
2	50,555	561	393
3	51,116	567	397
4	51,684	574	402
5	52,257	580	406
6	52,837	586	411
7	53,424	593	415
8	54,017	600	420
9	54,616	606	424
10	55,223	613	429
11	55,836	620	434
12	56,455	627	439
13	57,082	634	444
14	57,716	641	448
15	58,356	648	453
16	59,004	655	458
17	59,659	662	464
18	60,321	670	469
19	60,991	677	474
20	61,668	685	479
	TOTAL	$12,352	$8,647

LOCAL CD

HERITAGE

2.10%

$50,000

18 Month

Credit Union

3.61x (National Avg. - 0.58%)

$500

SCENARIO

Year	Rate 2.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,050	735
2	51,050	1,072	750
3	52,122	1,095	766
4	53,217	1,118	782
5	54,334	1,141	799
6	55,475	1,165	815
7	56,640	1,189	833
8	57,830	1,214	850
9	59,044	1,240	868
10	60,284	1,266	886
11	61,550	1,293	905
12	62,842	1,320	924
13	64,162	1,347	943
14	65,510	1,376	963
15	66,885	1,405	983
16	68,290	1,434	1,004
17	69,724	1,464	1,025
18	71,188	1,495	1,046
19	72,683	1,526	1,068
20	74,209	1,558	1,091
	TOTAL	$25,768	$18,037

LOCAL CD

Emprise Bank

3.50%

$50,000

36 Month

Bank

4.64x (National Avg. - 0.75%)

$1,000

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

LOCAL CD

Swedish-American State Bank

1.36%

$50,000

36 Month

Bank

1.80x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.36%	Annual Interest	Annual Interest (After Tax)
1	50,000	680	476
2	50,680	689	482
3	51,369	699	489
4	52,068	708	496
5	52,776	718	502
6	53,494	728	509
7	54,221	737	516
8	54,959	747	523
9	55,706	758	530
10	56,464	768	538
11	57,232	778	545
12	58,010	789	552
13	58,799	800	560
14	59,599	811	567
15	60,409	822	575
16	61,231	833	583
17	62,063	844	591
18	62,907	856	599
19	63,763	867	607
20	64,630	879	615
	TOTAL	$15,509	$10,856

LOCAL CD

Mutual Savings Association

1.15%

$50,000

36 Month

Bank

1.53x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

LOCAL CD

PARTNERS 1ST

0.25%

$50,000

24 Month

Credit Union

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

LOCAL CD

PARTNERS 1ST

0.10%

$50,000

6 Month

Credit Union

0.24x (National Avg. - 0.41%)

$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 CD

NBH Bank

0.30%

$50,000

18 Month

Bank

0.52x (National Avg. - 0.58%)

$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

ESB Financial

1.21%

$50,000

24 Month

Bank

1.83x (National Avg. - 0.66%)

$10,000

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

LOCAL CD

Prescott State Bank

0.60%

$50,000

24 Month

Bank

0.91x (National Avg. - 0.66%)

$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

Eagle Bank

3.70%

$50,000

18 Month

Bank

6.37x (National Avg. - 0.58%)

$500

SCENARIO

Year	Rate 3.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,850	1,295
2	51,850	1,918	1,343
3	53,768	1,989	1,393
4	55,758	2,063	1,444
5	57,821	2,139	1,498
6	59,960	2,219	1,553
7	62,179	2,301	1,610
8	64,479	2,386	1,670
9	66,865	2,474	1,732
10	69,339	2,566	1,796
11	71,905	2,660	1,862
12	74,565	2,759	1,931
13	77,324	2,861	2,003
14	80,185	2,967	2,077
15	83,152	3,077	2,154
16	86,229	3,190	2,233
17	89,419	3,309	2,316
18	92,728	3,431	2,402
19	96,158	3,558	2,491
20	99,716	3,690	2,583
	TOTAL	$53,406	$37,384

LOCAL CD

Florence Bank

2.96%

$50,000

48 Month

Bank

3.62x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 2.96%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,480	1,036
2	51,480	1,524	1,067
3	53,004	1,569	1,098
4	54,573	1,615	1,131
5	56,188	1,663	1,164
6	57,851	1,712	1,199
7	59,564	1,763	1,234
8	61,327	1,815	1,271
9	63,142	1,869	1,308
10	65,011	1,924	1,347
11	66,935	1,981	1,387
12	68,917	2,040	1,428
13	70,957	2,100	1,470
14	73,057	2,162	1,514
15	75,219	2,226	1,559
16	77,446	2,292	1,605
17	79,738	2,360	1,652
18	82,098	2,430	1,701
19	84,529	2,502	1,751
20	87,031	2,576	1,803
	TOTAL	$39,607	$27,725

LOCAL CD

Florence Bank

1.00%

$50,000

60 Month

Bank

1.09x (National Avg. - 0.92%)

$500

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

LOCAL CD

Bay State Savings Bank

1.00%

$50,000

12 Month

Bank

1.81x (National Avg. - 0.55%)

$1,000

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

LOCAL CD

Dean Co-operative Bank

2.00%

$50,000

48 Month

Bank

2.45x (National Avg. - 0.82%)

$500

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

LOCAL CD

FREEDOM OF MARYLAND

0.90%

$50,000

18 Month

Credit Union

1.55x (National Avg. - 0.58%)

$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

FEDFINANCIAL

0.17%

$50,000

12 Month

Credit Union

0.31x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.17%	Annual Interest	Annual Interest (After Tax)
1	50,000	85	60
2	50,085	85	60
3	50,170	85	60
4	50,255	85	60
5	50,341	86	60
6	50,426	86	60
7	50,512	86	60
8	50,598	86	60
9	50,684	86	60
10	50,770	86	60
11	50,857	86	61
12	50,943	87	61
13	51,030	87	61
14	51,116	87	61
15	51,203	87	61
16	51,290	87	61
17	51,377	87	61
18	51,465	87	61
19	51,552	88	61
20	51,640	88	61
	TOTAL	$1,728	$1,209

LOCAL CD

Norway Savings Bank

0.55%

$50,000

48 Month

Bank

0.67x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

SAFE HARBOR

1.30%

$50,000

48 Month

Credit Union

1.59x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	650	455
2	50,650	658	461
3	51,308	667	467
4	51,975	676	473
5	52,651	684	479
6	53,336	693	485
7	54,029	702	492
8	54,731	712	498
9	55,443	721	505
10	56,164	730	511
11	56,894	740	518
12	57,633	749	524
13	58,383	759	531
14	59,142	769	538
15	59,910	779	545
16	60,689	789	552
17	61,478	799	559
18	62,277	810	567
19	63,087	820	574
20	63,907	831	582
	TOTAL	$14,738	$10,317

LOCAL CD

Old National Bank

0.40%

$50,000

60 Month

Bank

0.43x (National Avg. - 0.92%)

$10,000

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

First Security Bank - Sleepy Eye

0.50%

$50,000

60 Month

Bank

0.54x (National Avg. - 0.92%)

$10,000

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

ProGrowth Bank

0.90%

$50,000

60 Month

Bank

0.98x (National Avg. - 0.92%)

$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

BNC National Bank

0.45%

$50,000

48 Month

Bank

0.55x (National Avg. - 0.82%)

$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 CD

The First National Bank of Coleraine

1.00%

$50,000

60 Month

Bank

1.09x (National Avg. - 0.92%)

$10,000

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

LOCAL CD

State Bank of Taunton

0.75%

$50,000

48 Month

Bank

0.92x (National Avg. - 0.82%)

$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

Lowry State Bank

1.72%

$50,000

48 Month

Bank

2.11x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.72%	Annual Interest	Annual Interest (After Tax)
1	50,000	860	602
2	50,860	875	612
3	51,735	890	623
4	52,625	905	634
5	53,530	921	644
6	54,450	937	656
7	55,387	953	667
8	56,340	969	678
9	57,309	986	690
10	58,294	1,003	702
11	59,297	1,020	714
12	60,317	1,037	726
13	61,354	1,055	739
14	62,410	1,073	751
15	63,483	1,092	764
16	64,575	1,111	777
17	65,686	1,130	791
18	66,816	1,149	804
19	67,965	1,169	818
20	69,134	1,189	832
	TOTAL	$20,323	$14,226

LOCAL CD

Bank of Commerce

0.50%

$50,000

12 Month

Bank

0.91x (National Avg. - 0.55%)

$10,000

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

BNA Bank

0.55%

$50,000

48 Month

Bank

0.67x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

Eagle Bank

0.30%

$50,000

48 Month

Bank

0.37x (National Avg. - 0.82%)

$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

BILLINGS

0.65%

$50,000

60 Month

Credit Union

0.71x (National Avg. - 0.92%)

$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

Peoples Bank

1.21%

$50,000

48 Month

Bank

1.48x (National Avg. - 0.82%)

$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

LOCAL CD

Butte State Bank

0.35%

$50,000

6 Month

Bank

0.86x (National Avg. - 0.41%)

$10,000

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

Bank of Elgin

0.95%

$50,000

36 Month

Bank

1.26x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	475	333
2	50,475	480	336
3	50,955	484	339
4	51,439	489	342
5	51,927	493	345
6	52,421	498	349
7	52,919	503	352
8	53,421	508	355
9	53,929	512	359
10	54,441	517	362
11	54,958	522	365
12	55,480	527	369
13	56,007	532	372
14	56,540	537	376
15	57,077	542	380
16	57,619	547	383
17	58,166	553	387
18	58,719	558	390
19	59,277	563	394
20	59,840	568	398
	TOTAL	$10,408	$7,286

LOCAL CD

Citizens State Bank

1.00%

$50,000

18 Month

Bank

1.72x (National Avg. - 0.58%)

$10,000

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

LOCAL CD

Homestead Bank

0.80%

$50,000

18 Month

Bank

1.38x (National Avg. - 0.58%)

$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 CD

Henderson State Bank

1.60%

$50,000

60 Month

Bank

1.74x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	800	560
2	50,800	813	569
3	51,613	826	578
4	52,439	839	587
5	53,278	852	597
6	54,130	866	606
7	54,996	880	616
8	55,876	894	626
9	56,770	908	636
10	57,678	923	646
11	58,601	938	656
12	59,539	953	667
13	60,492	968	678
14	61,459	983	688
15	62,443	999	699
16	63,442	1,015	711
17	64,457	1,031	722
18	65,488	1,048	733
19	66,536	1,065	745
20	67,601	1,082	757
	TOTAL	$18,682	$13,078

LOCAL CD

Columbus Bank and Trust Company

0.30%

$50,000

6 Month

Bank

0.73x (National Avg. - 0.41%)

$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

York State Bank

0.45%

$50,000

18 Month

Bank

0.77x (National Avg. - 0.58%)

$100,000

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 CD

York State Bank

0.60%

$50,000

48 Month

Bank

0.73x (National Avg. - 0.82%)

$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

LINCONE

0.50%

$50,000

24 Month

Credit Union

0.76x (National Avg. - 0.66%)

$10,000

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

First Central Bank

0.65%

$50,000

12 Month

Bank

1.18x (National Avg. - 0.55%)

$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

ONE

0.55%

$50,000

18 Month

Credit Union

0.95x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

Alma Bank

0.60%

$50,000

6 Month

Bank

1.47x (National Avg. - 0.41%)

$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

RUTGERS

0.25%

$50,000

24 Month

Credit Union

0.38x (National Avg. - 0.66%)

$100,000

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

LOCAL CD

Haddon Savings Bank

2.70%

$50,000

48 Month

Bank

3.30x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 2.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,350	945
2	51,350	1,386	971
3	52,736	1,424	997
4	54,160	1,462	1,024
5	55,623	1,502	1,051
6	57,124	1,542	1,080
7	58,667	1,584	1,109
8	60,251	1,627	1,139
9	61,878	1,671	1,169
10	63,548	1,716	1,201
11	65,264	1,762	1,233
12	67,026	1,810	1,267
13	68,836	1,859	1,301
14	70,695	1,909	1,336
15	72,603	1,960	1,372
16	74,564	2,013	1,409
17	76,577	2,068	1,447
18	78,644	2,123	1,486
19	80,768	2,181	1,527
20	82,948	2,240	1,568
	TOTAL	$35,188	$24,632

LOCAL CD

The Citizens Bank of Clovis

0.90%

$50,000

18 Month

Bank

1.55x (National Avg. - 0.58%)

$100,000

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

NIAGARA'S CHOICE

0.10%

$50,000

24 Month

Credit Union

0.15x (National Avg. - 0.66%)

$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 CD

JUSTICE

0.55%

$50,000

18 Month

Credit Union

0.95x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	276	193
2	50,276	278	194
3	50,554	279	195
4	50,833	281	196
5	51,113	282	198
6	51,395	284	199
7	51,679	285	200
8	51,964	287	201
9	52,251	288	202
10	52,540	290	203
11	52,830	292	204
12	53,121	293	205
13	53,414	295	206
14	53,709	296	208
15	54,006	298	209
16	54,304	300	210
17	54,604	301	211
18	54,905	303	212
19	55,208	305	213
20	55,513	306	215
	TOTAL	$5,819	$4,073

LOCAL CD

The Hocking Valley Bank

0.20%

$50,000

12 Month

Bank

0.36x (National Avg. - 0.55%)

$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

Community Bank

0.50%

$50,000

6 Month

Bank

1.22x (National Avg. - 0.41%)

$10,000

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

Firstar Bank

0.30%

$50,000

6 Month

Bank

0.73x (National Avg. - 0.41%)

$1,000

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

FNB Coweta

0.45%

$50,000

48 Month

Bank

0.55x (National Avg. - 0.82%)

$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 CD

The First National Bank in Marlow

0.95%

$50,000

36 Month

Bank

1.26x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	475	333
2	50,475	480	336
3	50,955	484	339
4	51,439	489	342
5	51,927	493	345
6	52,421	498	349
7	52,919	503	352
8	53,421	508	355
9	53,929	512	359
10	54,441	517	362
11	54,958	522	365
12	55,480	527	369
13	56,007	532	372
14	56,540	537	376
15	57,077	542	380
16	57,619	547	383
17	58,166	553	387
18	58,719	558	390
19	59,277	563	394
20	59,840	568	398
	TOTAL	$10,408	$7,286

LOCAL CD

PROVIDENCE

0.40%

$50,000

6 Month

Credit Union

0.98x (National Avg. - 0.41%)

$10,000

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

DISCOVERY

4.50%

$50,000

18 Month

Credit Union

7.75x (National Avg. - 0.58%)

$100

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

AFFILIATED TRADES

0.95%

$50,000

18 Month

Credit Union

1.64x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	475	333
2	50,475	480	336
3	50,955	484	339
4	51,439	489	342
5	51,927	493	345
6	52,421	498	349
7	52,919	503	352
8	53,421	508	355
9	53,929	512	359
10	54,441	517	362
11	54,958	522	365
12	55,480	527	369
13	56,007	532	372
14	56,540	537	376
15	57,077	542	380
16	57,619	547	383
17	58,166	553	387
18	58,719	558	390
19	59,277	563	394
20	59,840	568	398
	TOTAL	$10,408	$7,286

LOCAL CD

HORIZON

0.95%

$50,000

48 Month

Credit Union

1.17x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	477	334
2	50,477	481	337
3	50,958	486	340
4	51,443	490	343
5	51,933	495	346
6	52,428	500	350
7	52,928	504	353
8	53,432	509	356
9	53,942	514	360
10	54,456	519	363
11	54,975	524	367
12	55,499	529	370
13	56,027	534	374
14	56,561	539	377
15	57,100	544	381
16	57,645	549	385
17	58,194	555	388
18	58,749	560	392
19	59,308	565	396
20	59,874	571	399
	TOTAL	$10,444	$7,311

LOCAL CD

LISTERHILL

3.36%

$50,000

48 Month

Credit Union

4.11x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 3.36%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,680	1,176
2	51,680	1,736	1,216
3	53,416	1,795	1,256
4	55,211	1,855	1,299
5	57,066	1,917	1,342
6	58,984	1,982	1,387
7	60,966	2,048	1,434
8	63,014	2,117	1,482
9	65,131	2,188	1,532
10	67,320	2,262	1,583
11	69,582	2,338	1,637
12	71,920	2,416	1,692
13	74,336	2,498	1,748
14	76,834	2,582	1,807
15	79,415	2,668	1,868
16	82,084	2,758	1,931
17	84,842	2,851	1,995
18	87,693	2,946	2,063
19	90,639	3,045	2,132
20	93,684	3,148	2,203
	TOTAL	$46,832	$32,783

LOCAL CD

BOC Bank

0.75%

$50,000

12 Month

Bank

1.36x (National Avg. - 0.55%)

$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 CD

GEICO

1.00%

$50,000

60 Month

Credit Union

1.09x (National Avg. - 0.92%)

$10,000

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

LOCAL CD

JUSTICE

0.97%

$50,000

60 Month

Credit Union

1.06x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.97%	Annual Interest	Annual Interest (After Tax)
1	50,000	486	340
2	50,486	490	343
3	50,976	495	346
4	51,471	500	350
5	51,970	505	353
6	52,475	510	357
7	52,985	514	360
8	53,499	519	364
9	54,019	525	367
10	54,543	530	371
11	55,073	535	374
12	55,607	540	378
13	56,147	545	382
14	56,693	550	385
15	57,243	556	389
16	57,799	561	393
17	58,360	567	397
18	58,927	572	401
19	59,499	578	404
20	60,077	583	408
	TOTAL	$10,660	$7,462

LOCAL CD

NexBank

3.29%

$50,000

60 Month

Bank

3.58x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 3.29%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,645	1,152
2	51,645	1,699	1,189
3	53,344	1,755	1,229
4	55,099	1,813	1,269
5	56,912	1,872	1,311
6	58,784	1,934	1,354
7	60,718	1,998	1,398
8	62,716	2,063	1,444
9	64,779	2,131	1,492
10	66,911	2,201	1,541
11	69,112	2,274	1,592
12	71,386	2,349	1,644
13	73,734	2,426	1,698
14	76,160	2,506	1,754
15	78,666	2,588	1,812
16	81,254	2,673	1,871
17	83,927	2,761	1,933
18	86,688	2,852	1,996
19	89,540	2,946	2,062
20	92,486	3,043	2,130
	TOTAL	$45,529	$31,870

100

LOCAL CD

Citizens State Bank

1.15%

$50,000

36 Month

Bank

1.53x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

101

LOCAL CD

Carmine State Bank

0.85%

$50,000

18 Month

Bank

1.46x (National Avg. - 0.58%)

$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

102

LOCAL CD

HOUSTON

1.25%

$50,000

60 Month

Credit Union

1.36x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual 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

103

LOCAL CD

Freedom Bank

1.10%

$50,000

36 Month

Bank

1.46x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

104

LOCAL CD

TRANSWEST

0.85%

$50,000

60 Month

Credit Union

0.92x (National Avg. - 0.92%)

$1,000

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

105

LOCAL CD

Farmers and Miners Bank

0.45%

$50,000

36 Month

Bank

0.60x (National Avg. - 0.75%)

$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

106

LOCAL CD

Farmers and Miners Bank

0.50%

$50,000

36 Month

Bank

0.66x (National Avg. - 0.75%)

$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

107

LOCAL CD

Pinnacle Bank

0.60%

$50,000

48 Month

Bank

0.73x (National Avg. - 0.82%)

$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

108

LOCAL CD

Passumpsic Savings Bank

0.40%

$50,000

12 Month

Bank

0.72x (National Avg. - 0.55%)

$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

109

LOCAL CD

Waumandee State Bank

0.80%

$50,000

24 Month

Bank

1.21x (National Avg. - 0.66%)

$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

110

LOCAL CD

Citizens State Bank

0.70%

$50,000

48 Month

Bank

0.86x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

111

LOCAL CD

Old National Bank

0.20%

$50,000

24 Month

Bank

0.30x (National Avg. - 0.66%)

$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

112

LOCAL CD

DANE COUNTY

0.50%

$50,000

18 Month

Credit Union

0.86x (National Avg. - 0.58%)

$10,000

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

113

LOCAL CD

DANE COUNTY

0.80%

$50,000

60 Month

Credit Union

0.87x (National Avg. - 0.92%)

$100,000

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

114

LOCAL CD

Peoples State Bank of Plainview

0.95%

$50,000

48 Month

Bank

1.16x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	475	333
2	50,475	480	336
3	50,955	484	339
4	51,439	489	342
5	51,927	493	345
6	52,421	498	349
7	52,919	503	352
8	53,421	508	355
9	53,929	512	359
10	54,441	517	362
11	54,958	522	365
12	55,480	527	369
13	56,007	532	372
14	56,540	537	376
15	57,077	542	380
16	57,619	547	383
17	58,166	553	387
18	58,719	558	390
19	59,277	563	394
20	59,840	568	398
	TOTAL	$10,408	$7,286

115

LOCAL CD

Intercity State Bank

0.85%

$50,000

24 Month

Bank

1.29x (National Avg. - 0.66%)

$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

116

LOCAL CD

FIRST CHOICE

0.96%

$50,000

24 Month

Credit Union

1.45x (National Avg. - 0.66%)

$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

117

LOCAL CD

CHESSIE

1.36%

$50,000

60 Month

Credit Union

1.48x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.36%	Annual Interest	Annual Interest (After Tax)
1	50,000	680	476
2	50,680	689	482
3	51,369	699	489
4	52,068	708	496
5	52,776	718	502
6	53,494	728	509
7	54,221	737	516
8	54,959	747	523
9	55,706	758	530
10	56,464	768	538
11	57,232	778	545
12	58,010	789	552
13	58,799	800	560
14	59,599	811	567
15	60,409	822	575
16	61,231	833	583
17	62,063	844	591
18	62,907	856	599
19	63,763	867	607
20	64,630	879	615
	TOTAL	$15,509	$10,856

118

LOCAL CD

BCBank, Inc.

0.50%

$50,000

6 Month

Bank

1.22x (National Avg. - 0.41%)

$10,000

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

119

LOCAL CD

ROMNEY

1.51%

$50,000

60 Month

Credit Union

1.64x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	755	529
2	50,755	766	536
3	51,521	778	545
4	52,299	790	553
5	53,089	802	561
6	53,891	814	570
7	54,704	826	578
8	55,531	839	587
9	56,369	851	596
10	57,220	864	605
11	58,084	877	614
12	58,961	890	623
13	59,852	904	633
14	60,755	917	642
15	61,673	931	652
16	62,604	945	662
17	63,549	960	672
18	64,509	974	682
19	65,483	989	692
20	66,472	1,004	703
	TOTAL	$17,476	$12,233

120

LOCAL CD

PEN AIR

5.00%

$50,000

28 Month

Credit Union

N.A.

$500

SCENARIO

Year	Rate 5.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,500	1,750
2	52,500	2,625	1,838
3	55,125	2,756	1,929
4	57,881	2,894	2,026
5	60,775	3,039	2,127
6	63,814	3,191	2,233
7	67,005	3,350	2,345
8	70,355	3,518	2,462
9	73,873	3,694	2,586
10	77,566	3,878	2,715
11	81,445	4,072	2,851
12	85,517	4,276	2,993
13	89,793	4,490	3,143
14	94,282	4,714	3,300
15	98,997	4,950	3,465
16	103,946	5,197	3,638
17	109,144	5,457	3,820
18	114,601	5,730	4,011
19	120,331	6,017	4,212
20	126,348	6,317	4,422
	TOTAL	$82,665	$57,865

121

LOCAL CD

First Bank of the Lake

4.65%

$50,000

9 Month

Bank

N.A.

$5,000

SCENARIO

Year	Rate 4.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,325	1,628
2	52,325	2,433	1,703
3	54,758	2,546	1,782
4	57,304	2,665	1,865
5	59,969	2,789	1,952
6	62,758	2,918	2,043
7	65,676	3,054	2,138
8	68,730	3,196	2,237
9	71,926	3,345	2,341
10	75,270	3,500	2,450
11	78,770	3,663	2,564
12	82,433	3,833	2,683
13	86,266	4,011	2,808
14	90,278	4,198	2,939
15	94,476	4,393	3,075
16	98,869	4,597	3,218
17	103,466	4,811	3,368
18	108,277	5,035	3,524
19	113,312	5,269	3,688
20	118,581	5,514	3,860
	TOTAL	$74,095	$51,867

122

LOCAL CD

OneLocal Bank

3.50%

$50,000

22 Month

Bank

N.A.

$1,000

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

123

LOCAL CD

The Bank of Canton

0.20%

$50,000

3 Month

Bank

0.09x (National Avg. - 2.21%)

$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

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.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.

Compare Savings vs. CDs Comparison of Deposit Account from Mutual Savings Association with 1.15% - August 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Mutual Savings Association with 1.15% - August 2025