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Comparison of Deposit Account from Rio Bank with 0.87% - September 2026


Long-Term Analysis of Rio Bank with 0.87% APY and Texas State Bank with 0.50% APY and Texas State Bank with 0.10% APY and Ciera Bank with 0.95% APY and Southside Bank with 0.10% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    Rio Bank
    0.87%
    -
    $50,000
    48 Month
    Bank
    1.06x (National Avg. - 0.82%)
    $2,500
     
    SCENARIO
    Year Rate
    0.87%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 435 305
    2 50,435 439 307
    3 50,874 443 310
    4 51,316 446 313
    5 51,763 450 315
    6 52,213 454 318
    7 52,667 458 321
    8 53,126 462 324
    9 53,588 466 326
    10 54,054 470 329
    11 54,524 474 332
    12 54,999 478 335
    13 55,477 483 338
    14 55,960 487 341
    15 56,447 491 344
    16 56,938 495 347
    17 57,433 500 350
    18 57,933 504 353
    19 58,437 508 356
    20 58,945 513 359
    TOTAL $9,458 $6,621
  • 2
    LOCAL CD
    Texas State Bank
    0.50%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 3
    LOCAL SAVINGS
    Texas State Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.43x (National Avg. - 0.23%)
    $100
     
    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
  • 4
    LOCAL CD
    Ciera Bank
    0.95%
    -
    $50,000
    18 Month
    Bank
    1.64x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 5
    LOCAL MONEY MARKET
    Southside Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.17x (National Avg. - 0.58%)
    $0
     
    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

    All calculations are for demonstration purposes only.

    Featured CD Rates

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