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Comparison of Deposit Account from Pioneer Bank & Trust with 0.48% - August 2025


Long-Term Analysis of Pioneer Bank & Trust with 0.35% APY and Pioneer Bank & Trust with 0.48% 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
    Pioneer Bank & Trust
    0.35%
    -
    $50,000
    12 Month
    Bank
    0.63x (National Avg. - 0.55%)
    $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
  • 2
    LOCAL CD
    Pioneer Bank & Trust
    0.48%
    -
    $50,000
    12 Month
    Bank
    0.87x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.48%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 239 167
    2 50,239 240 168
    3 50,479 241 169
    4 50,720 242 170
    5 50,963 244 171
    6 51,206 245 171
    7 51,451 246 172
    8 51,697 247 173
    9 51,944 248 174
    10 52,193 249 175
    11 52,442 251 175
    12 52,693 252 176
    13 52,945 253 177
    14 53,198 254 178
    15 53,452 256 179
    16 53,707 257 180
    17 53,964 258 181
    18 54,222 259 181
    19 54,481 260 182
    20 54,742 262 183
    TOTAL $5,003 $3,502

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.10% on July 13.

    Last change: ↑0.40% on June 24.
    Early withdrawal penalty is 3 Months' Interest.

    Last change: ↓0.05% on August 2.
    7-Month CD.

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