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Comparison of Deposit Account from SOUTHEAST FINANCIAL with 0.10% - August 2025


Long-Term Analysis of Gibsland Bank & Trust Company with 0.28% APY and Thumb Bank and Trust with 0.25% APY and Thumb Bank and Trust with 0.30% APY and Community Bank of Mississippi with 0.16% APY and SOUTHEAST FINANCIAL with 0.10% APY and LATINO COMMUNITY with 3.40% APY and GESA with 2.70% 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
    LOCAL CD
    Gibsland Bank & Trust Company
    0.28%
    -
    $50,000
    12 Month
    Bank
    0.51x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.28%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 140 98
    2 50,140 140 98
    3 50,280 141 99
    4 50,421 141 99
    5 50,562 142 99
    6 50,704 142 99
    7 50,846 142 100
    8 50,988 143 100
    9 51,131 143 100
    10 51,274 144 100
    11 51,418 144 101
    12 51,562 144 101
    13 51,706 145 101
    14 51,851 145 102
    15 51,996 146 102
    16 52,142 146 102
    17 52,288 146 102
    18 52,434 147 103
    19 52,581 147 103
    20 52,728 148 103
    TOTAL $2,876 $2,013
  • 2
    LOCAL CD
    Thumb Bank and Trust
    0.25%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $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
  • 3
    LOCAL CD
    Thumb Bank and Trust
    0.30%
    -
    $50,000
    48 Month
    Bank
    0.37x (National Avg. - 0.82%)
    $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
  • 4
    LOCAL CD
    Community Bank of Mississippi
    0.16%
    -
    $50,000
    6 Month
    Bank
    0.39x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.16%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 80 56
    2 50,080 80 56
    3 50,160 80 56
    4 50,240 80 56
    5 50,321 81 56
    6 50,401 81 56
    7 50,482 81 57
    8 50,563 81 57
    9 50,644 81 57
    10 50,725 81 57
    11 50,806 81 57
    12 50,887 81 57
    13 50,968 82 57
    14 51,050 82 57
    15 51,132 82 57
    16 51,214 82 57
    17 51,295 82 57
    18 51,378 82 58
    19 51,460 82 58
    20 51,542 82 58
    TOTAL $1,625 $1,137
  • 5
    LOCAL MONEY MARKET
    SOUTHEAST FINANCIAL
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.24x (National Avg. - 0.41%)
    $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
  • 6
    LOCAL CD
    LATINO COMMUNITY
    3.40%
    -
    $50,000
    60 Month
    Credit Union
    3.70x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    3.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,700 1,190
    2 51,700 1,758 1,230
    3 53,458 1,818 1,272
    4 55,275 1,879 1,316
    5 57,155 1,943 1,360
    6 59,098 2,009 1,407
    7 61,107 2,078 1,454
    8 63,185 2,148 1,504
    9 65,333 2,221 1,555
    10 67,555 2,297 1,608
    11 69,851 2,375 1,662
    12 72,226 2,456 1,719
    13 74,682 2,539 1,777
    14 77,221 2,626 1,838
    15 79,847 2,715 1,900
    16 82,562 2,807 1,965
    17 85,369 2,903 2,032
    18 88,271 3,001 2,101
    19 91,272 3,103 2,172
    20 94,376 3,209 2,246
    TOTAL $47,584 $33,309
  • 7
    LOCAL CD
    GESA
    2.70%
    -
    $50,000
    24 Month
    Credit Union
    4.09x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    2.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,350 945
    2 51,350 1,386 971
    3 52,736 1,424 997
    4 54,160 1,462 1,024
    5 55,623 1,502 1,051
    6 57,124 1,542 1,080
    7 58,667 1,584 1,109
    8 60,251 1,627 1,139
    9 61,878 1,671 1,169
    10 63,548 1,716 1,201
    11 65,264 1,762 1,233
    12 67,026 1,810 1,267
    13 68,836 1,859 1,301
    14 70,695 1,909 1,336
    15 72,603 1,960 1,372
    16 74,564 2,013 1,409
    17 76,577 2,068 1,447
    18 78,644 2,123 1,486
    19 80,768 2,181 1,527
    20 82,948 2,240 1,568
    TOTAL $35,188 $24,632

    All calculations are for demonstration purposes only.

    Featured CD Rates

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

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