Compare Savings vs. CDs
Comparison of Deposit Account from Security Bank and Trust Company with 0.38% - December 2025


Long-Term Analysis of Security Bank and Trust Company with 0.38% APY and TEX MEX with 0.86% 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 MONEY MARKET
    0.38%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.38%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 190 133
    2 50,190 191 134
    3 50,381 191 134
    4 50,572 192 135
    5 50,764 193 135
    6 50,957 194 136
    7 51,151 194 136
    8 51,345 195 137
    9 51,540 196 137
    10 51,736 197 138
    11 51,933 197 138
    12 52,130 198 139
    13 52,328 199 139
    14 52,527 200 140
    15 52,727 200 140
    16 52,927 201 141
    17 53,128 202 141
    18 53,330 203 142
    19 53,533 203 142
    20 53,736 204 143
    TOTAL $3,940 $2,758
  • 2
    LOCAL CD
    0.86%
    -
    $50,000
    48 Month
    Credit Union
    1.05x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.86%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 430 301
    2 50,430 434 304
    3 50,864 437 306
    4 51,301 441 309
    5 51,742 445 311
    6 52,187 449 314
    7 52,636 453 317
    8 53,089 457 320
    9 53,545 460 322
    10 54,006 464 325
    11 54,470 468 328
    12 54,939 472 331
    13 55,411 477 334
    14 55,888 481 336
    15 56,368 485 339
    16 56,853 489 342
    17 57,342 493 345
    18 57,835 497 348
    19 58,333 502 351
    20 58,834 506 354
    TOTAL $9,340 $6,538

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

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    Last change: ↓0.05% on December 8.