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Compare Savings vs. CDs - December 2025

Long-Term Analysis of State Bank of India (California) with 0.30% APY and American Bank and Trust Company, National Association with 0.35% APY and Eureka Savings Bank with 0.65% APY and Cumberland Valley National Bank & Trust Company with 0.53% 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 SAVINGS

State Bank of India (California)

0.30%

$50,000

N.A.

Bank

1.33x (National Avg. - 0.23%)

$100

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

American Bank and Trust Company, National Association

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

Eureka Savings Bank

0.65%

$50,000

30 Month

Bank

N.A.

$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

Cumberland Valley National Bank & Trust Company

0.53%

$50,000

30 Month

Bank

N.A.

$10,000

SCENARIO

Year	Rate 0.53%	Annual Interest	Annual Interest (After Tax)
1	50,000	265	186
2	50,265	266	186
3	50,531	268	187
4	50,799	269	188
5	51,068	271	189
6	51,339	272	190
7	51,611	274	191
8	51,885	275	192
9	52,160	276	194
10	52,436	278	195
11	52,714	279	196
12	52,993	281	197
13	53,274	282	198
14	53,557	284	199
15	53,841	285	200
16	54,126	287	201
17	54,413	288	202
18	54,701	290	203
19	54,991	291	204
20	55,283	293	205
	TOTAL	$5,576	$3,903

All calculations are for demonstration purposes only.

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