Home
Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from PROVIDENT with 2.06% - August 2025

Long-Term Analysis of First Community Bank with 0.25% APY and Gibsland Bank & Trust Company with 0.28% APY and Thumb Bank and Trust with 0.25% APY and Thumb Bank and Trust with 0.30% APY and ACCENTRA with 0.25% APY and Community Bank of Mississippi with 0.16% APY and SOUTHEAST FINANCIAL with 0.10% APY and LATINO COMMUNITY with 3.40% APY and First State Bank & Trust with 0.60% APY and Peoples State Bank, Fairmount, N. D. with 0.55% APY and Pioneer Bank with 0.35% APY and First Savings Bank with 1.00% APY and MUSKOGEE with 0.70% APY and HORIZON with 0.25% APY and AccessBank Texas with 1.10% APY and GESA with 2.70% APY and GESA with 2.85% APY and GESA with 1.20% APY and PROVIDENT with 2.06% APY and PROVIDENT with 0.08% APY and TEXAS DOW EMPLOYEES with 3.50% APY and TEXAS DOW EMPLOYEES with 2.40% APY and TEXAS DOW EMPLOYEES with 0.20% 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 CD

First Community Bank

0.25%

$50,000

12 Month

Bank

0.45x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

Gibsland Bank & Trust Company

0.28%

$50,000

12 Month

Bank

0.51x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.28%	Annual Interest	Annual Interest (After Tax)
1	50,000	140	98
2	50,140	140	98
3	50,280	141	99
4	50,421	141	99
5	50,562	142	99
6	50,704	142	99
7	50,846	142	100
8	50,988	143	100
9	51,131	143	100
10	51,274	144	100
11	51,418	144	101
12	51,562	144	101
13	51,706	145	101
14	51,851	145	102
15	51,996	146	102
16	52,142	146	102
17	52,288	146	102
18	52,434	147	103
19	52,581	147	103
20	52,728	148	103
	TOTAL	$2,876	$2,013

LOCAL CD

Thumb Bank and Trust

0.25%

$50,000

30 Month

Bank

N.A.

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

Thumb Bank and Trust

0.30%

$50,000

48 Month

Bank

0.37x (National Avg. - 0.82%)

$100,000

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

LOCAL CD

ACCENTRA

0.25%

$50,000

6 Month

Credit Union

0.61x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

Community Bank of Mississippi

0.16%

$50,000

6 Month

Bank

0.39x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	80	56
2	50,080	80	56
3	50,160	80	56
4	50,240	80	56
5	50,321	81	56
6	50,401	81	56
7	50,482	81	57
8	50,563	81	57
9	50,644	81	57
10	50,725	81	57
11	50,806	81	57
12	50,887	81	57
13	50,968	82	57
14	51,050	82	57
15	51,132	82	57
16	51,214	82	57
17	51,295	82	57
18	51,378	82	58
19	51,460	82	58
20	51,542	82	58
	TOTAL	$1,625	$1,137

LOCAL MONEY MARKET

SOUTHEAST FINANCIAL

0.10%

$50,000

N.A.

Credit Union

0.24x (National Avg. - 0.41%)

$2,500

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

LATINO COMMUNITY

3.40%

$50,000

60 Month

Credit Union

3.70x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 3.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,700	1,190
2	51,700	1,758	1,230
3	53,458	1,818	1,272
4	55,275	1,879	1,316
5	57,155	1,943	1,360
6	59,098	2,009	1,407
7	61,107	2,078	1,454
8	63,185	2,148	1,504
9	65,333	2,221	1,555
10	67,555	2,297	1,608
11	69,851	2,375	1,662
12	72,226	2,456	1,719
13	74,682	2,539	1,777
14	77,221	2,626	1,838
15	79,847	2,715	1,900
16	82,562	2,807	1,965
17	85,369	2,903	2,032
18	88,271	3,001	2,101
19	91,272	3,103	2,172
20	94,376	3,209	2,246
	TOTAL	$47,584	$33,309

LOCAL CD

First State Bank & Trust

0.60%

$50,000

60 Month

Bank

0.65x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

Peoples State Bank, Fairmount, N. D.

0.55%

$50,000

18 Month

Bank

0.95x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

Pioneer Bank

0.35%

$50,000

24 Month

Bank

0.53x (National Avg. - 0.66%)

$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

First Savings Bank

1.00%

$50,000

60 Month

Bank

1.09x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

MUSKOGEE

0.70%

$50,000

12 Month

Credit Union

1.27x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL MONEY MARKET

HORIZON

0.25%

$50,000

N.A.

Credit Union

0.45x (National Avg. - 0.55%)

$2,500

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

AccessBank Texas

1.10%

$50,000

48 Month

Bank

1.35x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

LOCAL CD

GESA

2.70%

$50,000

24 Month

Credit Union

4.09x (National Avg. - 0.66%)

$500

SCENARIO

Year	Rate 2.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,350	945
2	51,350	1,386	971
3	52,736	1,424	997
4	54,160	1,462	1,024
5	55,623	1,502	1,051
6	57,124	1,542	1,080
7	58,667	1,584	1,109
8	60,251	1,627	1,139
9	61,878	1,671	1,169
10	63,548	1,716	1,201
11	65,264	1,762	1,233
12	67,026	1,810	1,267
13	68,836	1,859	1,301
14	70,695	1,909	1,336
15	72,603	1,960	1,372
16	74,564	2,013	1,409
17	76,577	2,068	1,447
18	78,644	2,123	1,486
19	80,768	2,181	1,527
20	82,948	2,240	1,568
	TOTAL	$35,188	$24,632

LOCAL CD

GESA

2.85%

$50,000

24 Month

Credit Union

4.32x (National Avg. - 0.66%)

$50,000

SCENARIO

Year	Rate 2.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,425	998
2	51,425	1,466	1,026
3	52,891	1,507	1,055
4	54,398	1,550	1,085
5	55,948	1,595	1,116
6	57,543	1,640	1,148
7	59,183	1,687	1,181
8	60,870	1,735	1,214
9	62,604	1,784	1,249
10	64,389	1,835	1,285
11	66,224	1,887	1,321
12	68,111	1,941	1,359
13	70,052	1,996	1,398
14	72,049	2,053	1,437
15	74,102	2,112	1,478
16	76,214	2,172	1,520
17	78,386	2,234	1,564
18	80,620	2,298	1,608
19	82,918	2,363	1,654
20	85,281	2,431	1,701
	TOTAL	$37,711	$26,398

LOCAL CD

GESA

1.20%

$50,000

6 Month

Credit Union

2.93x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 1.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	600	420
2	50,600	607	425
3	51,207	614	430
4	51,822	622	435
5	52,444	629	441
6	53,073	637	446
7	53,710	645	451
8	54,354	652	457
9	55,007	660	462
10	55,667	668	468
11	56,335	676	473
12	57,011	684	479
13	57,695	692	485
14	58,387	701	490
15	59,088	709	496
16	59,797	718	502
17	60,514	726	508
18	61,240	735	514
19	61,975	744	521
20	62,719	753	527
	TOTAL	$13,472	$9,430

LOCAL CD

PROVIDENT

2.06%

$50,000

12 Month

Credit Union

3.73x (National Avg. - 0.55%)

$50,000

SCENARIO

Year	Rate 2.06%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,030	721
2	51,030	1,051	736
3	52,081	1,073	751
4	53,154	1,095	766
5	54,249	1,118	782
6	55,367	1,141	798
7	56,507	1,164	815
8	57,671	1,188	832
9	58,859	1,212	849
10	60,072	1,237	866
11	61,309	1,263	884
12	62,572	1,289	902
13	63,861	1,316	921
14	65,177	1,343	940
15	66,519	1,370	959
16	67,890	1,399	979
17	69,288	1,427	999
18	70,715	1,457	1,020
19	72,172	1,487	1,041
20	73,659	1,517	1,062
	TOTAL	$25,176	$17,623

LOCAL MONEY MARKET

PROVIDENT

0.08%

$50,000

N.A.

Credit Union

0.14x (National Avg. - 0.55%)

$2,500

SCENARIO

Year	Rate 0.08%	Annual Interest	Annual Interest (After Tax)
1	50,000	40	28
2	50,040	40	28
3	50,080	40	28
4	50,120	40	28
5	50,160	40	28
6	50,200	40	28
7	50,240	40	28
8	50,281	40	28
9	50,321	40	28
10	50,361	40	28
11	50,401	40	28
12	50,442	40	28
13	50,482	40	28
14	50,523	40	28
15	50,563	40	28
16	50,603	40	28
17	50,644	41	28
18	50,684	41	28
19	50,725	41	28
20	50,765	41	28
	TOTAL	$806	$564

LOCAL CD

TEXAS DOW EMPLOYEES

3.50%

$50,000

18 Month

Credit Union

6.02x (National Avg. - 0.58%)

$1,000

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

LOCAL CD

TEXAS DOW EMPLOYEES

2.40%

$50,000

30 Month

Credit Union

N.A.

$100,000

SCENARIO

Year	Rate 2.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,200	840
2	51,200	1,229	860
3	52,429	1,258	881
4	53,687	1,288	902
5	54,976	1,319	924
6	56,295	1,351	946
7	57,646	1,384	968
8	59,030	1,417	992
9	60,446	1,451	1,015
10	61,897	1,486	1,040
11	63,383	1,521	1,065
12	64,904	1,558	1,090
13	66,461	1,595	1,117
14	68,056	1,633	1,143
15	69,690	1,673	1,171
16	71,362	1,713	1,199
17	73,075	1,754	1,228
18	74,829	1,796	1,257
19	76,625	1,839	1,287
20	78,464	1,883	1,318
	TOTAL	$30,347	$21,243

LOCAL MONEY MARKET

TEXAS DOW EMPLOYEES

0.20%

$50,000

N.A.

Credit Union

N.A.

$25,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.
Colorado Federal Savings Bank	4.45%	$5,000	Learn More
Last change: ↑0.40% on June 24. Early withdrawal penalty is 3 Months' Interest.
Finworth, a division of InsBank	4.45%	$50,000	Learn More
Last change: ↓0.05% on August 2. 7-Month CD.

Compare Savings vs. CDs Comparison of Deposit Account from PROVIDENT with 2.06% - August 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from PROVIDENT with 2.06% - August 2025