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Comparison of Deposit Account from Scribner Bank with 0.35% - May 2025


Long-Term Analysis of MidFirst Bank with 0.25% APY and FIRST with 0.10% APY and FORT MCPHERSON with 0.03% APY and TELCO-TRIAD COMMUNITY with 0.90% APY and The First State Bank of Healy with 1.25% APY and Midwest Bank with 0.80% APY and Scribner Bank with 0.35% APY and FIRST POINT with 0.60% APY and U.S. EAGLE with 0.75% APY and The First National Bank of Pandora with 4.07% APY and ASCEND with 3.61% 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
    MidFirst Bank
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.61x (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
  • 2
    LOCAL MONEY MARKET
    FIRST
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.25x (National Avg. - 0.41%)
    $25,000
     
    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
  • 3
    LOCAL SAVINGS
    FORT MCPHERSON
    0.03%
    -
    $50,000
    N.A.
    Credit Union
    0.13x (National Avg. - 0.22%)
    $2,500
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 4
    LOCAL CD
    TELCO-TRIAD COMMUNITY
    0.90%
    -
    $50,000
    48 Month
    Credit Union
    1.10x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 5
    LOCAL CD
    The First State Bank of Healy
    1.25%
    -
    $50,000
    60 Month
    Bank
    1.36x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 625 438
    2 50,625 633 443
    3 51,258 641 449
    4 51,899 649 454
    5 52,547 657 460
    6 53,204 665 466
    7 53,869 673 471
    8 54,543 682 477
    9 55,224 690 483
    10 55,915 699 489
    11 56,614 708 495
    12 57,321 717 502
    13 58,038 725 508
    14 58,763 735 514
    15 59,498 744 521
    16 60,241 753 527
    17 60,994 762 534
    18 61,757 772 540
    19 62,529 782 547
    20 63,310 791 554
    TOTAL $14,102 $9,871
  • 6
    LOCAL CD
    Midwest Bank
    0.80%
    -
    $50,000
    12 Month
    Bank
    1.45x (National Avg. - 0.55%)
    $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
  • 7
    LOCAL CD
    Scribner Bank
    0.35%
    -
    $50,000
    6 Month
    Bank
    0.86x (National Avg. - 0.41%)
    $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
  • 8
    LOCAL CD
    FIRST POINT
    0.60%
    -
    $50,000
    36 Month
    Credit Union
    0.80x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 9
    LOCAL MONEY MARKET
    U.S. EAGLE
    0.75%
    -
    $50,000
    N.A.
    Credit Union
    1.00x (National Avg. - 0.75%)
    $25,000
     
    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
  • 10
    LOCAL CD
    The First National Bank of Pandora
    4.07%
    -
    $50,000
    11 Month
    Bank
    N.A.
    $5,000
     
    SCENARIO
    Year Rate
    4.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,035 1,425
    2 52,035 2,118 1,482
    3 54,153 2,204 1,543
    4 56,357 2,294 1,606
    5 58,651 2,387 1,671
    6 61,038 2,484 1,739
    7 63,522 2,585 1,810
    8 66,107 2,691 1,883
    9 68,798 2,800 1,960
    10 71,598 2,914 2,040
    11 74,512 3,033 2,123
    12 77,545 3,156 2,209
    13 80,701 3,285 2,299
    14 83,985 3,418 2,393
    15 87,403 3,557 2,490
    16 90,961 3,702 2,591
    17 94,663 3,853 2,697
    18 98,515 4,010 2,807
    19 102,525 4,173 2,921
    20 106,698 4,343 3,040
    TOTAL $61,040 $42,728
  • 11
    LOCAL CD
    ASCEND
    3.61%
    -
    $50,000
    15 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    3.61%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,805 1,264
    2 51,805 1,870 1,309
    3 53,675 1,938 1,356
    4 55,613 2,008 1,405
    5 57,620 2,080 1,456
    6 59,701 2,155 1,509
    7 61,856 2,233 1,563
    8 64,089 2,314 1,620
    9 66,402 2,397 1,678
    10 68,799 2,484 1,739
    11 71,283 2,573 1,801
    12 73,856 2,666 1,866
    13 76,523 2,762 1,934
    14 79,285 2,862 2,004
    15 82,147 2,966 2,076
    16 85,113 3,073 2,151
    17 88,185 3,183 2,228
    18 91,369 3,298 2,309
    19 94,667 3,417 2,392
    20 98,085 3,541 2,479
    TOTAL $51,626 $36,138

    All calculations are for demonstration purposes only.

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