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Comparison of Deposit Account from Peoples Community Bank SB of Monticello, Indiana with 0.50% - May 2025


Long-Term Analysis of Grand Ridge National Bank with 1.05% APY and Rio Bank with 0.67% APY and Ireland Bank with 0.72% APY and Peoples Community Bank SB of Monticello, Indiana with 0.50% APY and BankFirst Financial Services with 0.30% 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
    Grand Ridge National Bank
    1.05%
    -
    $50,000
    60 Month
    Bank
    1.14x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 525 368
    2 50,525 531 371
    3 51,056 536 375
    4 51,592 542 379
    5 52,133 547 383
    6 52,681 553 387
    7 53,234 559 391
    8 53,793 565 395
    9 54,358 571 400
    10 54,928 577 404
    11 55,505 583 408
    12 56,088 589 412
    13 56,677 595 417
    14 57,272 601 421
    15 57,873 608 425
    16 58,481 614 430
    17 59,095 620 434
    18 59,716 627 439
    19 60,343 634 444
    20 60,976 640 448
    TOTAL $11,616 $8,131
  • 2
    LOCAL CD
    Rio Bank
    0.67%
    -
    $50,000
    18 Month
    Bank
    1.16x (National Avg. - 0.58%)
    $2,500
     
    SCENARIO
    Year Rate
    0.67%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 335 235
    2 50,335 337 236
    3 50,672 340 238
    4 51,012 342 239
    5 51,354 344 241
    6 51,698 346 242
    7 52,044 349 244
    8 52,393 351 246
    9 52,744 353 247
    10 53,097 356 249
    11 53,453 358 251
    12 53,811 361 252
    13 54,171 363 254
    14 54,534 365 256
    15 54,900 368 257
    16 55,268 370 259
    17 55,638 373 261
    18 56,011 375 263
    19 56,386 378 264
    20 56,764 380 266
    TOTAL $7,144 $5,001
  • 3
    LOCAL CD
    Ireland Bank
    0.72%
    -
    $50,000
    48 Month
    Bank
    0.88x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.72%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 360 252
    2 50,360 363 254
    3 50,723 365 256
    4 51,088 368 257
    5 51,456 370 259
    6 51,826 373 261
    7 52,199 376 263
    8 52,575 379 265
    9 52,954 381 267
    10 53,335 384 269
    11 53,719 387 271
    12 54,106 390 273
    13 54,495 392 275
    14 54,888 395 277
    15 55,283 398 279
    16 55,681 401 281
    17 56,082 404 283
    18 56,486 407 285
    19 56,892 410 287
    20 57,302 413 289
    TOTAL $7,714 $5,400
  • 4
    LOCAL CD
    Peoples Community Bank SB of Monticello, Indiana
    0.50%
    -
    $50,000
    24 Month
    Bank
    0.76x (National Avg. - 0.66%)
    $2,500
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 5
    LOCAL CD
    BankFirst Financial Services
    0.30%
    -
    $50,000
    48 Month
    Bank
    0.37x (National Avg. - 0.82%)
    $10,000
     
    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

    All calculations are for demonstration purposes only.

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