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Comparison of Deposit Account from NSB Bank with 1.19% - December 2025


Long-Term Analysis of NSB Bank with 1.19% APY and Four Corners Community Bank with 0.75% 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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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    NSB Bank
    1.19%
    -
    $50,000
    60 Month
    Bank
    1.30x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.19%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 597 418
    2 50,597 604 423
    3 51,201 611 428
    4 51,812 619 433
    5 52,431 626 438
    6 53,057 634 443
    7 53,691 641 449
    8 54,332 649 454
    9 54,980 656 460
    10 55,637 664 465
    11 56,301 672 471
    12 56,973 680 476
    13 57,654 688 482
    14 58,342 697 488
    15 59,039 705 493
    16 59,744 713 499
    17 60,457 722 505
    18 61,179 730 511
    19 61,909 739 517
    20 62,648 748 524
    TOTAL $13,396 $9,378
  • 2
    LOCAL CD
    Four Corners Community Bank
    0.75%
    -
    $50,000
    12 Month
    Bank
    1.37x (National Avg. - 0.55%)
    $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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.

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