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Comparison of Deposit Account from RNB STATE BANK with 1.03% - July 2025


Long-Term Analysis of Access Bank with 0.75% APY and RNB STATE BANK with 1.03% 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
    Access Bank
    0.75%
    -
    $50,000
    36 Month
    Bank
    0.99x (National Avg. - 0.75%)
    $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
  • 2
    LOCAL CD
    RNB STATE BANK
    1.03%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    1.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 515 361
    2 50,515 520 364
    3 51,035 526 368
    4 51,561 531 372
    5 52,092 537 376
    6 52,629 542 379
    7 53,171 548 383
    8 53,718 553 387
    9 54,272 559 391
    10 54,831 565 395
    11 55,395 571 399
    12 55,966 576 404
    13 56,542 582 408
    14 57,125 588 412
    15 57,713 594 416
    16 58,308 601 420
    17 58,908 607 425
    18 59,515 613 429
    19 60,128 619 434
    20 60,747 626 438
    TOTAL $11,373 $7,961

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.06% on June 24.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.

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    Last Update on July 3, 2025

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