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Comparison of Deposit Account from Southwestern National Bank with 0.75% - May 2025


Long-Term Analysis of Native American Bank, National Association with 0.35% APY and Southwestern National Bank with 0.75% APY and Bankers Trust Company with 4.54% 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
    Native American Bank, National Association
    0.35%
    -
    $50,000
    24 Month
    Bank
    0.53x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 2
    LOCAL MONEY MARKET
    Southwestern National Bank
    0.75%
    -
    $50,000
    N.A.
    Bank
    1.13x (National Avg. - 0.66%)
    $25,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 373 261
    2 50,373 375 263
    3 50,748 378 265
    4 51,126 381 267
    5 51,507 384 269
    6 51,890 387 271
    7 52,277 389 273
    8 52,667 392 275
    9 53,059 395 277
    10 53,454 398 279
    11 53,852 401 281
    12 54,254 404 283
    13 54,658 407 285
    14 55,065 410 287
    15 55,475 413 289
    16 55,889 416 291
    17 56,305 419 294
    18 56,724 423 296
    19 57,147 426 298
    20 57,573 429 300
    TOTAL $8,002 $5,601
  • 3
    LOCAL CD
    Bankers Trust Company
    4.54%
    -
    $50,000
    9 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    4.54%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,270 1,589
    2 52,270 2,373 1,661
    3 54,643 2,481 1,737
    4 57,124 2,593 1,815
    5 59,717 2,711 1,898
    6 62,428 2,834 1,984
    7 65,263 2,963 2,074
    8 68,226 3,097 2,168
    9 71,323 3,238 2,267
    10 74,561 3,385 2,370
    11 77,946 3,539 2,477
    12 81,485 3,699 2,590
    13 85,184 3,867 2,707
    14 89,052 4,043 2,830
    15 93,095 4,226 2,959
    16 97,321 4,418 3,093
    17 101,740 4,619 3,233
    18 106,359 4,829 3,380
    19 111,187 5,048 3,534
    20 116,235 5,277 3,694
    TOTAL $71,512 $50,059

    All calculations are for demonstration purposes only.

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