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Comparison of Deposit Account from SRP with 0.40% - August 2025


Long-Term Analysis of SRP with 0.40% APY and RNB STATE BANK with 0.80% APY and FMS Bank with 0.17% APY and Flint Community Bank with 0.35% APY and COCA-COLA with 1.61% APY and DU TRAC COMMUNITY with 1.15% APY and First State Bank of St. Peter with 1.25% APY and CFCU COMMUNITY with 0.90% APY and Community First Bank with 0.10% APY and COMPLEX COMMUNITY with 2.27% 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
    SRP
    0.40%
    -
    $50,000
    24 Month
    Credit Union
    0.61x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 2
    LOCAL CD
    RNB STATE BANK
    0.80%
    -
    $50,000
    48 Month
    Bank
    0.98x (National Avg. - 0.82%)
    $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
  • 3
    LOCAL CD
    FMS Bank
    0.17%
    -
    $50,000
    6 Month
    Bank
    0.42x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.17%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 85 60
    2 50,085 85 60
    3 50,170 85 60
    4 50,255 85 60
    5 50,341 86 60
    6 50,426 86 60
    7 50,512 86 60
    8 50,598 86 60
    9 50,684 86 60
    10 50,770 86 60
    11 50,857 86 61
    12 50,943 87 61
    13 51,030 87 61
    14 51,116 87 61
    15 51,203 87 61
    16 51,290 87 61
    17 51,377 87 61
    18 51,465 87 61
    19 51,552 88 61
    20 51,640 88 61
    TOTAL $1,728 $1,209
  • 4
    LOCAL CD
    Flint Community Bank
    0.35%
    -
    $50,000
    6 Month
    Bank
    0.86x (National Avg. - 0.41%)
    $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
  • 5
    LOCAL CD
    COCA-COLA
    1.61%
    -
    $50,000
    60 Month
    Credit Union
    1.75x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    1.61%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 805 564
    2 50,805 818 573
    3 51,623 831 582
    4 52,454 845 591
    5 53,299 858 601
    6 54,157 872 610
    7 55,029 886 620
    8 55,915 900 630
    9 56,815 915 640
    10 57,730 929 651
    11 58,659 944 661
    12 59,603 960 672
    13 60,563 975 683
    14 61,538 991 694
    15 62,529 1,007 705
    16 63,536 1,023 716
    17 64,558 1,039 728
    18 65,598 1,056 739
    19 66,654 1,073 751
    20 67,727 1,090 763
    TOTAL $18,818 $13,172
  • 6
    LOCAL CD
    DU TRAC COMMUNITY
    1.15%
    -
    $50,000
    48 Month
    Credit Union
    1.41x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 575 403
    2 50,575 582 407
    3 51,157 588 412
    4 51,745 595 417
    5 52,340 602 421
    6 52,942 609 426
    7 53,551 616 431
    8 54,167 623 436
    9 54,789 630 441
    10 55,420 637 446
    11 56,057 645 451
    12 56,702 652 456
    13 57,354 660 462
    14 58,013 667 467
    15 58,680 675 472
    16 59,355 683 478
    17 60,038 690 483
    18 60,728 698 489
    19 61,427 706 494
    20 62,133 715 500
    TOTAL $12,847 $8,993
  • 7
    LOCAL CD
    First State Bank of St. Peter
    1.25%
    -
    $50,000
    60 Month
    Bank
    1.36x (National Avg. - 0.92%)
    $1,000
     
    SCENARIO
    Year Rate
    1.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 625 438
    2 50,625 633 443
    3 51,258 641 449
    4 51,899 649 454
    5 52,547 657 460
    6 53,204 665 466
    7 53,869 673 471
    8 54,543 682 477
    9 55,224 690 483
    10 55,915 699 489
    11 56,614 708 495
    12 57,321 717 502
    13 58,038 725 508
    14 58,763 735 514
    15 59,498 744 521
    16 60,241 753 527
    17 60,994 762 534
    18 61,757 772 540
    19 62,529 782 547
    20 63,310 791 554
    TOTAL $14,102 $9,871
  • 8
    LOCAL CD
    CFCU COMMUNITY
    0.90%
    -
    $50,000
    48 Month
    Credit Union
    1.10x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 9
    LOCAL CD
    Community First Bank
    0.10%
    -
    $50,000
    18 Month
    Bank
    0.17x (National Avg. - 0.58%)
    $10,000
     
    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
  • 10
    LOCAL CD
    COMPLEX COMMUNITY
    2.27%
    -
    $50,000
    60 Month
    Credit Union
    2.47x (National Avg. - 0.92%)
    $0
     
    SCENARIO
    Year Rate
    2.27%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,135 795
    2 51,135 1,161 813
    3 52,296 1,187 831
    4 53,483 1,214 850
    5 54,697 1,242 869
    6 55,939 1,270 889
    7 57,208 1,299 909
    8 58,507 1,328 930
    9 59,835 1,358 951
    10 61,193 1,389 972
    11 62,582 1,421 994
    12 64,003 1,453 1,017
    13 65,456 1,486 1,040
    14 66,942 1,520 1,064
    15 68,461 1,554 1,088
    16 70,015 1,589 1,113
    17 71,605 1,625 1,138
    18 73,230 1,662 1,164
    19 74,893 1,700 1,190
    20 76,593 1,739 1,217
    TOTAL $28,331 $19,832

    All calculations are for demonstration purposes only.

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