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Comparison of Deposit Account from RIVER REGION with 0.75% - May 2025


Long-Term Analysis of Dakota Heritage Bank with 0.10% APY and Buena Vista National Bank with 0.30% APY and First Bank Kansas with 0.55% APY and First Southern National Bank with 0.01% APY and SHREWSBURY with 0.80% APY and SHREWSBURY with 1.00% APY and MAINE FAMILY with 0.30% APY and RIVER REGION with 0.75% APY and Freedom Bank of Southern Missouri with 1.15% APY and MUNICIPAL with 4.85% APY and Home Savings Bank of Wapakoneta with 1.00% APY and CornerStone Bank, National Association with 0.35% APY and CREDIT HUMAN with 2.36% 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 SAVINGS
    Dakota Heritage Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.45x (National Avg. - 0.22%)
    $10
     
    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
  • 2
    LOCAL CD
    Buena Vista National Bank
    0.30%
    -
    $50,000
    18 Month
    Bank
    0.52x (National Avg. - 0.58%)
    $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
  • 3
    LOCAL CD
    First Bank Kansas
    0.55%
    -
    $50,000
    36 Month
    Bank
    0.73x (National Avg. - 0.75%)
    $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
  • 4
    LOCAL MONEY MARKET
    First Southern National Bank
    0.01%
    -
    $50,000
    N.A.
    Bank
    0.01x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 5
    LOCAL CD
    SHREWSBURY
    0.80%
    -
    $50,000
    24 Month
    Credit Union
    1.21x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 6
    LOCAL CD
    SHREWSBURY
    1.00%
    -
    $50,000
    60 Month
    Credit Union
    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
  • 7
    LOCAL MONEY MARKET
    MAINE FAMILY
    0.30%
    -
    $50,000
    N.A.
    Credit Union
    0.33x (National Avg. - 0.92%)
    $10,000
     
    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
  • 8
    LOCAL CD
    RIVER REGION
    0.75%
    -
    $50,000
    24 Month
    Credit Union
    1.14x (National Avg. - 0.66%)
    $500
     
    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
  • 9
    LOCAL CD
    Freedom Bank of Southern Missouri
    1.15%
    -
    $50,000
    48 Month
    Bank
    1.41x (National Avg. - 0.82%)
    $10,000
     
    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
  • 10
    LOCAL CD
    MUNICIPAL
    4.85%
    -
    $50,000
    15 Month
    Credit Union
    N.A.
    $5
     
    SCENARIO
    Year Rate
    4.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,425 1,698
    2 52,425 2,543 1,780
    3 54,968 2,666 1,866
    4 57,634 2,795 1,957
    5 60,429 2,931 2,052
    6 63,360 3,073 2,151
    7 66,433 3,222 2,255
    8 69,654 3,378 2,365
    9 73,033 3,542 2,479
    10 76,575 3,714 2,600
    11 80,289 3,894 2,726
    12 84,183 4,083 2,858
    13 88,266 4,281 2,997
    14 92,546 4,489 3,142
    15 97,035 4,706 3,294
    16 101,741 4,934 3,454
    17 106,676 5,174 3,622
    18 111,849 5,425 3,797
    19 117,274 5,688 3,981
    20 122,962 5,964 4,175
    TOTAL $78,925 $55,248
  • 11
    LOCAL CD
    Home Savings Bank of Wapakoneta
    1.00%
    -
    $50,000
    60 Month
    Bank
    1.09x (National Avg. - 0.92%)
    $500
     
    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
  • 12
    LOCAL CD
    CornerStone Bank, National Association
    0.35%
    -
    $50,000
    12 Month
    Bank
    0.64x (National Avg. - 0.55%)
    $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
  • 13
    LOCAL MONEY MARKET
    CREDIT HUMAN
    2.36%
    -
    $50,000
    N.A.
    Credit Union
    4.28x (National Avg. - 0.55%)
    $90,000
     
    SCENARIO
    Year Rate
    2.36%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,180 826
    2 51,180 1,208 845
    3 52,388 1,236 865
    4 53,624 1,266 886
    5 54,890 1,295 907
    6 56,185 1,326 928
    7 57,511 1,357 950
    8 58,868 1,389 973
    9 60,258 1,422 995
    10 61,680 1,456 1,019
    11 63,135 1,490 1,043
    12 64,625 1,525 1,068
    13 66,151 1,561 1,093
    14 67,712 1,598 1,119
    15 69,310 1,636 1,145
    16 70,945 1,674 1,172
    17 72,620 1,714 1,200
    18 74,334 1,754 1,228
    19 76,088 1,796 1,257
    20 77,883 1,838 1,287
    TOTAL $29,722 $20,805

    All calculations are for demonstration purposes only.

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