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Comparison of Deposit Account from Regent Bank with 1.05% - August 2025


Long-Term Analysis of Wadena State Bank with 1.15% APY and Wadena State Bank with 1.66% APY and Wadena State Bank with 0.75% APY and Regent Bank with 1.05% 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
    Wadena State Bank
    1.15%
    -
    $50,000
    24 Month
    Bank
    1.74x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    1.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 575 403
    2 50,575 582 407
    3 51,157 588 412
    4 51,745 595 417
    5 52,340 602 421
    6 52,942 609 426
    7 53,551 616 431
    8 54,167 623 436
    9 54,789 630 441
    10 55,420 637 446
    11 56,057 645 451
    12 56,702 652 456
    13 57,354 660 462
    14 58,013 667 467
    15 58,680 675 472
    16 59,355 683 478
    17 60,038 690 483
    18 60,728 698 489
    19 61,427 706 494
    20 62,133 715 500
    TOTAL $12,847 $8,993
  • 2
    LOCAL CD
    Wadena State Bank
    1.66%
    -
    $50,000
    48 Month
    Bank
    2.03x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.66%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 830 581
    2 50,830 844 591
    3 51,674 858 600
    4 52,532 872 610
    5 53,404 886 621
    6 54,290 901 631
    7 55,191 916 641
    8 56,107 931 652
    9 57,039 947 663
    10 57,986 963 674
    11 58,948 979 685
    12 59,927 995 696
    13 60,922 1,011 708
    14 61,933 1,028 720
    15 62,961 1,045 732
    16 64,006 1,063 744
    17 65,069 1,080 756
    18 66,149 1,098 769
    19 67,247 1,116 781
    20 68,363 1,135 794
    TOTAL $19,498 $13,649
  • 3
    LOCAL CD
    Wadena State Bank
    0.75%
    -
    $50,000
    6 Month
    Bank
    1.83x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 4
    LOCAL CD
    Regent Bank
    1.05%
    -
    $50,000
    60 Month
    Bank
    1.14x (National Avg. - 0.92%)
    $10,000
     
    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

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

    Last change: ↓0.05% on April 30.
    Early Withdrawal Penalty is 3 months interest.

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