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Comparison of Deposit Account from Schaumburg Bank & Trust Company, National Association with 0.20% - May 2025


Long-Term Analysis of Northern Bank Direct with 3.50% APY and Merchants & Marine Bank with 0.50% APY and Western States Bank with 0.20% APY and Western States Bank with 0.80% APY and Peoples Savings Bank with 0.50% APY and Peoples Savings Bank with 0.30% APY and Primebank with 0.15% APY and Schaumburg Bank & Trust Company, National Association with 0.20% APY and Schaumburg Bank & Trust Company, National Association with 0.40% APY and The Atlanta National Bank with 0.80% APY and Watertown Savings Bank with 0.10% APY and Eastern Savings Bank, FSB with 0.07% APY and Bank Midwest with 0.70% APY and Bank of Bolivar with 0.58% APY and Bank of Bolivar with 0.81% APY and Southwest Missouri Bank with 0.55% APY and Southwest Missouri Bank with 0.10% APY and North Shore Bank, a Co-operative Bank with 4.00% APY and NBC OKLAHOMA with 0.55% APY and Oklahoma Capital Bank with 0.70% APY and FSNB, National Association with 0.50% APY and Bank of Houston, National Association with 0.45% APY and The Liberty National Bank in Paris with 1.05% APY and Community Bank, National Association with 0.02% 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
    ONLINE CD
    Northern Bank Direct
    3.50%
    -
    $50,000
    18 Month
    Online Bank
    6.03x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 2
    LOCAL CD
    Merchants & Marine Bank
    0.50%
    -
    $50,000
    48 Month
    Bank
    0.61x (National Avg. - 0.82%)
    $100,000
     
    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 CD
    Western States Bank
    0.20%
    -
    $50,000
    6 Month
    Bank
    0.49x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 4
    LOCAL CD
    Western States Bank
    0.80%
    -
    $50,000
    60 Month
    Bank
    0.87x (National Avg. - 0.92%)
    $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
  • 5
    LOCAL CD
    Peoples Savings Bank
    0.50%
    -
    $50,000
    12 Month
    Bank
    0.91x (National Avg. - 0.55%)
    $10,000
     
    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
  • 6
    LOCAL CD
    Peoples Savings Bank
    0.30%
    -
    $50,000
    6 Month
    Bank
    0.74x (National Avg. - 0.41%)
    $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
  • 7
    LOCAL MONEY MARKET
    Primebank
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.37x (National Avg. - 0.41%)
    $2,500
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 8
    LOCAL CD
    Schaumburg Bank & Trust Company, National Association
    0.20%
    -
    $50,000
    24 Month
    Bank
    0.30x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 9
    LOCAL CD
    Schaumburg Bank & Trust Company, National Association
    0.40%
    -
    $50,000
    60 Month
    Bank
    0.44x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 10
    LOCAL CD
    The Atlanta National Bank
    0.80%
    -
    $50,000
    24 Month
    Bank
    1.21x (National Avg. - 0.66%)
    $10,000
     
    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
  • 11
    LOCAL CD
    Watertown Savings Bank
    0.10%
    -
    $50,000
    18 Month
    Bank
    0.17x (National Avg. - 0.58%)
    $100,000
     
    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
  • 12
    LOCAL CD
    Eastern Savings Bank, FSB
    0.07%
    -
    $50,000
    6 Month
    Bank
    0.17x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    0.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 35 25
    2 50,035 35 25
    3 50,070 35 25
    4 50,105 35 25
    5 50,140 35 25
    6 50,175 35 25
    7 50,210 35 25
    8 50,246 35 25
    9 50,281 35 25
    10 50,316 35 25
    11 50,351 35 25
    12 50,386 35 25
    13 50,422 35 25
    14 50,457 35 25
    15 50,492 35 25
    16 50,528 35 25
    17 50,563 35 25
    18 50,598 35 25
    19 50,634 35 25
    20 50,669 35 25
    TOTAL $705 $493
  • 13
    LOCAL CD
    Bank Midwest
    0.70%
    -
    $50,000
    48 Month
    Bank
    0.86x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 14
    LOCAL CD
    Bank of Bolivar
    0.58%
    -
    $50,000
    24 Month
    Bank
    0.88x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.58%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 290 203
    2 50,290 292 204
    3 50,582 293 205
    4 50,875 295 207
    5 51,170 297 208
    6 51,467 299 209
    7 51,765 300 210
    8 52,066 302 211
    9 52,368 304 213
    10 52,671 305 214
    11 52,977 307 215
    12 53,284 309 216
    13 53,593 311 218
    14 53,904 313 219
    15 54,217 314 220
    16 54,531 316 221
    17 54,847 318 223
    18 55,166 320 224
    19 55,485 322 225
    20 55,807 324 227
    TOTAL $6,131 $4,292
  • 15
    LOCAL CD
    Bank of Bolivar
    0.81%
    -
    $50,000
    60 Month
    Bank
    0.88x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    0.81%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 405 284
    2 50,405 408 286
    3 50,813 412 288
    4 51,225 415 290
    5 51,640 418 293
    6 52,058 422 295
    7 52,480 425 298
    8 52,905 429 300
    9 53,333 432 302
    10 53,765 435 305
    11 54,201 439 307
    12 54,640 443 310
    13 55,082 446 312
    14 55,529 450 315
    15 55,978 453 317
    16 56,432 457 320
    17 56,889 461 323
    18 57,350 465 325
    19 57,814 468 328
    20 58,283 472 330
    TOTAL $8,755 $6,128
  • 16
    LOCAL CD
    Southwest Missouri Bank
    0.55%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $100,000
     
    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
  • 17
    LOCAL SAVINGS
    Southwest Missouri Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.45x (National Avg. - 0.22%)
    $2,500
     
    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
  • 18
    LOCAL CD
    North Shore Bank, a Co-operative Bank
    4.00%
    -
    $50,000
    18 Month
    Bank
    6.90x (National Avg. - 0.58%)
    $1,000
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 19
    LOCAL CD
    NBC OKLAHOMA
    0.55%
    -
    $50,000
    48 Month
    Bank
    0.67x (National Avg. - 0.82%)
    $100,000
     
    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
  • 20
    LOCAL CD
    Oklahoma Capital Bank
    0.70%
    -
    $50,000
    18 Month
    Bank
    1.21x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 350 245
    2 50,350 352 247
    3 50,702 355 248
    4 51,057 357 250
    5 51,415 360 252
    6 51,775 362 254
    7 52,137 365 255
    8 52,502 368 257
    9 52,870 370 259
    10 53,240 373 261
    11 53,612 375 263
    12 53,988 378 265
    13 54,366 381 266
    14 54,746 383 268
    15 55,129 386 270
    16 55,515 389 272
    17 55,904 391 274
    18 56,295 394 276
    19 56,689 397 278
    20 57,086 400 280
    TOTAL $7,486 $5,240
  • 21
    LOCAL CD
    FSNB, National Association
    0.50%
    -
    $50,000
    60 Month
    Bank
    0.54x (National Avg. - 0.92%)
    $100,000
     
    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
  • 22
    LOCAL CD
    Bank of Houston, National Association
    0.45%
    -
    $50,000
    18 Month
    Bank
    0.78x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 23
    LOCAL CD
    The Liberty National Bank in Paris
    1.05%
    -
    $50,000
    48 Month
    Bank
    1.29x (National Avg. - 0.82%)
    $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
  • 24
    LOCAL SAVINGS
    Community Bank, National Association
    0.02%
    -
    $50,000
    N.A.
    Bank
    0.09x (National Avg. - 0.22%)
    $2,500
     
    SCENARIO
    Year Rate
    0.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 10 7
    2 50,010 10 7
    3 50,020 10 7
    4 50,030 10 7
    5 50,040 10 7
    6 50,050 10 7
    7 50,060 10 7
    8 50,070 10 7
    9 50,080 10 7
    10 50,090 10 7
    11 50,100 10 7
    12 50,110 10 7
    13 50,120 10 7
    14 50,130 10 7
    15 50,140 10 7
    16 50,150 10 7
    17 50,160 10 7
    18 50,170 10 7
    19 50,180 10 7
    20 50,190 10 7
    TOTAL $200 $140

    All calculations are for demonstration purposes only.

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