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Comparison of Deposit Account from Southwestern National Bank with 0.58% - December 2025


Long-Term Analysis of Farmers Bank & Trust with 1.05% APY and Southwestern National Bank with 0.58% 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
    Farmers Bank & Trust
    1.05%
    -
    $50,000
    24 Month
    Bank
    1.59x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    1.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 525 368
    2 50,525 531 371
    3 51,056 536 375
    4 51,592 542 379
    5 52,133 547 383
    6 52,681 553 387
    7 53,234 559 391
    8 53,793 565 395
    9 54,358 571 400
    10 54,928 577 404
    11 55,505 583 408
    12 56,088 589 412
    13 56,677 595 417
    14 57,272 601 421
    15 57,873 608 425
    16 58,481 614 430
    17 59,095 620 434
    18 59,716 627 439
    19 60,343 634 444
    20 60,976 640 448
    TOTAL $11,616 $8,131
  • 2
    LOCAL CD
    Southwestern National Bank
    0.58%
    -
    $50,000
    12 Month
    Bank
    1.05x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.58%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 288 201
    2 50,288 289 202
    3 50,577 291 204
    4 50,867 292 205
    5 51,160 294 206
    6 51,454 296 207
    7 51,750 298 208
    8 52,048 299 209
    9 52,347 301 211
    10 52,648 303 212
    11 52,951 304 213
    12 53,255 306 214
    13 53,561 308 216
    14 53,869 310 217
    15 54,179 312 218
    16 54,490 313 219
    17 54,804 315 221
    18 55,119 317 222
    19 55,436 319 223
    20 55,755 321 224
    TOTAL $6,075 $4,253

    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.

    Last change: ↑0.05% on December 1.

    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.15% on November 26.

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    Last Update on December 13, 2025

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