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Comparison of Deposit Account from New Peoples Bank, Inc. with 0.40% - June 2025

Long-Term Analysis of Milledgeville State Bank with 0.70% APY and First National Bank Texas with 0.35% APY and Yorktown Bank with 0.89% APY and New Peoples Bank, Inc. with 0.40% APY

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

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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Milledgeville State Bank

0.70%

$50,000

18 Month

Bank

1.20x (National Avg. - 0.58%)

$100,000

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

First National Bank Texas

0.35%

$50,000

12 Month

Bank

0.63x (National Avg. - 0.55%)

$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

Yorktown Bank

0.89%

$50,000

36 Month

Bank

1.18x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.89%	Annual Interest	Annual Interest (After Tax)
1	50,000	445	312
2	50,445	449	314
3	50,894	453	317
4	51,347	457	320
5	51,804	461	323
6	52,265	465	326
7	52,730	469	329
8	53,199	473	331
9	53,673	478	334
10	54,151	482	337
11	54,633	486	340
12	55,119	491	343
13	55,609	495	346
14	56,104	499	350
15	56,604	504	353
16	57,107	508	356
17	57,616	513	359
18	58,128	517	362
19	58,646	522	365
20	59,168	527	369
	TOTAL	$9,694	$6,786

LOCAL CD

New Peoples Bank, Inc.

0.40%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.58%)

$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

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.
First Internet Bank of Indiana	4.49%	$1,000	Learn More
Last change: ↑0.34% on May 27. Warning: Early Withdrawal Penalty is 180 days interest.
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.

Compare Savings vs. CDs Comparison of Deposit Account from New Peoples Bank, Inc. with 0.40% - June 2025

Long-Term Analysis of Milledgeville State Bank with 0.70% APY and First National Bank Texas with 0.35% APY and Yorktown Bank with 0.89% APY and New Peoples Bank, Inc. with 0.40% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from New Peoples Bank, Inc. with 0.40% - June 2025