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Comparison of Deposit Account from Southern Bank of Tennessee with 0.76% - August 2025


Long-Term Analysis of Southern Bank of Tennessee with 0.74% APY and Southern Bank of Tennessee with 0.76% 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
    Southern Bank of Tennessee
    0.74%
    -
    $50,000
    24 Month
    Bank
    1.12x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.74%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 370 259
    2 50,370 373 261
    3 50,743 375 263
    4 51,118 378 265
    5 51,497 381 267
    6 51,878 384 269
    7 52,261 387 271
    8 52,648 390 273
    9 53,038 392 275
    10 53,430 395 277
    11 53,826 398 279
    12 54,224 401 281
    13 54,625 404 283
    14 55,029 407 285
    15 55,437 410 287
    16 55,847 413 289
    17 56,260 416 291
    18 56,677 419 294
    19 57,096 423 296
    20 57,518 426 298
    TOTAL $7,944 $5,561
  • 2
    LOCAL CD
    Southern Bank of Tennessee
    0.76%
    -
    $50,000
    48 Month
    Bank
    0.93x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.76%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 380 266
    2 50,380 383 268
    3 50,763 386 270
    4 51,149 389 272
    5 51,537 392 274
    6 51,929 395 276
    7 52,324 398 278
    8 52,721 401 280
    9 53,122 404 283
    10 53,526 407 285
    11 53,933 410 287
    12 54,343 413 289
    13 54,756 416 291
    14 55,172 419 294
    15 55,591 422 296
    16 56,013 426 298
    17 56,439 429 300
    18 56,868 432 303
    19 57,300 435 305
    20 57,736 439 307
    TOTAL $8,175 $5,722

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

    Last change: ↑0.20% on January 18.

    Last change: ↑0.10% on July 13.

    Last change: ↑0.40% on June 24.
    Early withdrawal penalty is 3 Months' Interest.

    Last change: ↓0.05% on August 2.
    7-Month CD.

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