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Comparison of Deposit Account from Native American Bank, National Association with 0.45% - June 2025


Long-Term Analysis of Native American Bank, National Association with 0.45% APY and Farmers State Bank with 0.48% APY and BAYER HERITAGE with 4.13% APY and First Bank & Trust with 0.75% APY and Stockmans Bank with 0.90% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    Native American Bank, National Association
    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 50,000 226 158
    2 50,226 227 159
    3 50,452 228 159
    4 50,680 229 160
    5 50,908 230 161
    6 51,138 231 161
    7 51,368 232 162
    8 51,600 233 163
    9 51,833 234 164
    10 52,067 235 164
    11 52,301 236 165
    12 52,537 237 166
    13 52,774 238 167
    14 53,012 239 167
    15 53,251 240 168
    16 53,491 241 169
    17 53,733 242 170
    18 53,975 243 170
    19 54,218 245 171
    20 54,463 246 172
    TOTAL $4,709 $3,296
  • 2
    LOCAL CD
    Farmers State Bank
    0.48%
    -
    $50,000
    36 Month
    Bank
    0.64x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.48%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 240 168
    2 50,240 241 169
    3 50,481 242 170
    4 50,723 243 170
    5 50,967 245 171
    6 51,212 246 172
    7 51,457 247 173
    8 51,704 248 174
    9 51,953 249 175
    10 52,202 251 175
    11 52,453 252 176
    12 52,704 253 177
    13 52,957 254 178
    14 53,211 255 179
    15 53,467 257 180
    16 53,724 258 181
    17 53,981 259 181
    18 54,240 260 182
    19 54,501 262 183
    20 54,762 263 184
    TOTAL $5,025 $3,518
  • 3
    LOCAL CD
    BAYER HERITAGE
    4.13%
    -
    $50,000
    18 Month
    Credit Union
    7.11x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    4.13%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,067 1,447
    2 52,067 2,152 1,506
    3 54,218 2,241 1,569
    4 56,459 2,333 1,633
    5 58,793 2,430 1,701
    6 61,223 2,530 1,771
    7 63,753 2,635 1,844
    8 66,388 2,744 1,921
    9 69,132 2,857 2,000
    10 71,989 2,975 2,083
    11 74,964 3,098 2,169
    12 78,062 3,226 2,258
    13 81,289 3,360 2,352
    14 84,648 3,499 2,449
    15 88,147 3,643 2,550
    16 91,790 3,794 2,656
    17 95,584 3,950 2,765
    18 99,534 4,114 2,880
    19 103,648 4,284 2,999
    20 107,932 4,461 3,123
    TOTAL $62,393 $43,675
  • 4
    LOCAL CD
    First Bank & Trust
    0.75%
    -
    $50,000
    60 Month
    Bank
    0.82x (National Avg. - 0.92%)
    $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
  • 5
    LOCAL CD
    Stockmans Bank
    0.90%
    -
    $50,000
    18 Month
    Bank
    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

    All calculations are for demonstration purposes only.

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