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Comparison of Deposit Account from Richton Bank & Trust Company with 0.25% - November 2025


Long-Term Analysis of The Commercial Bank Of Ozark with 0.88% APY and Richton Bank & Trust Company with 0.25% 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
    The Commercial Bank Of Ozark
    0.88%
    -
    $50,000
    48 Month
    Bank
    1.08x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.88%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 440 308
    2 50,440 444 311
    3 50,884 448 313
    4 51,332 452 316
    5 51,783 456 319
    6 52,239 460 322
    7 52,699 464 325
    8 53,163 468 327
    9 53,630 472 330
    10 54,102 476 333
    11 54,578 480 336
    12 55,059 485 339
    13 55,543 489 342
    14 56,032 493 345
    15 56,525 497 348
    16 57,022 502 351
    17 57,524 506 354
    18 58,030 511 357
    19 58,541 515 361
    20 59,056 520 364
    TOTAL $9,576 $6,703
  • 2
    LOCAL CD
    Richton Bank & Trust Company
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.62x (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

    All calculations are for demonstration purposes only.

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