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Comparison of Deposit Account from Security Bank with 1.37% - July 2025


Long-Term Analysis of NXT Bank with 0.80% APY and Security Bank with 1.37% 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
    NXT 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
  • 2
    LOCAL CD
    Security Bank
    1.37%
    -
    $50,000
    48 Month
    Bank
    1.68x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    1.37%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 685 480
    2 50,685 694 486
    3 51,379 704 493
    4 52,083 714 499
    5 52,797 723 506
    6 53,520 733 513
    7 54,253 743 520
    8 54,997 753 527
    9 55,750 764 535
    10 56,514 774 542
    11 57,288 785 549
    12 58,073 796 557
    13 58,869 806 565
    14 59,675 818 572
    15 60,493 829 580
    16 61,321 840 588
    17 62,161 852 596
    18 63,013 863 604
    19 63,876 875 613
    20 64,751 887 621
    TOTAL $15,639 $10,947

    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 5, 2025

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