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Comparison of Deposit Account from PREMIER AMERICA with 4.00% - December 2025


Long-Term Analysis of Southwestern National Bank with 0.23% APY and PREMIER AMERICA with 4.00% 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
    Southwestern National Bank
    0.23%
    -
    $50,000
    6 Month
    Bank
    0.56x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.23%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 113 79
    2 50,113 113 79
    3 50,225 113 79
    4 50,338 113 79
    5 50,452 114 79
    6 50,565 114 80
    7 50,679 114 80
    8 50,793 114 80
    9 50,907 115 80
    10 51,022 115 80
    11 51,136 115 81
    12 51,252 115 81
    13 51,367 116 81
    14 51,482 116 81
    15 51,598 116 81
    16 51,714 116 81
    17 51,831 117 82
    18 51,947 117 82
    19 52,064 117 82
    20 52,181 117 82
    TOTAL $2,299 $1,609
  • 2
    LOCAL CD
    PREMIER AMERICA
    4.00%
    -
    $50,000
    6 Month
    Credit Union
    9.88x (National Avg. - 0.41%)
    $25,000
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689

    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: ↑0.05% on December 1.

    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.15% on November 26.

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