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Comparison of Deposit Account from NORTHWOODS with 1.51% - December 2025

Long-Term Analysis of The Citizens National Bank of Lebanon with 0.35% APY and NORTHWOODS with 1.51% APY and First National Bank North with 1.26% APY and NBT Bank, National Association with 0.65% 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

The Citizens National Bank of Lebanon

0.35%

$50,000

48 Month

Bank

0.43x (National Avg. - 0.82%)

$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

NORTHWOODS

1.51%

$50,000

60 Month

Credit Union

1.64x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	754	528
2	50,754	765	536
3	51,519	777	544
4	52,296	789	552
5	53,085	801	560
6	53,885	813	569
7	54,698	825	577
8	55,523	837	586
9	56,360	850	595
10	57,210	863	604
11	58,073	876	613
12	58,949	889	622
13	59,837	902	632
14	60,740	916	641
15	61,656	930	651
16	62,586	944	661
17	63,529	958	671
18	64,487	972	681
19	65,460	987	691
20	66,447	1,002	701
	TOTAL	$17,449	$12,214

LOCAL CD

First National Bank North

1.26%

$50,000

60 Month

Bank

1.37x (National Avg. - 0.92%)

$500

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

NBT Bank, National Association

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

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Finworth, a division of InsBank	4.20%	$50,000	Learn More
Last change: ↑0.20% on December 7. Early Withdrawal Penalty is 6 months interest.
Limelight Bank, A division of Capital Community Bank	4.20%	$1,000	Learn More
Last change: ↑0.05% on December 1.
Limelight Bank, A division of Capital Community Bank	4.15%	$1,000	Learn More
Last change: ↑0.10% on December 1. Early Withdrawal Penalty is 90 days interest.
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.

Compare Savings vs. CDs Comparison of Deposit Account from NORTHWOODS with 1.51% - December 2025

Long-Term Analysis of The Citizens National Bank of Lebanon with 0.35% APY and NORTHWOODS with 1.51% APY and First National Bank North with 1.26% APY and NBT Bank, National Association with 0.65% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from NORTHWOODS with 1.51% - December 2025