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Comparison of Deposit Account from State Bank of Bottineau with 1.05% - August 2025


Long-Term Analysis of The First National Bank of Wakefield with 0.28% APY and State Bank of Bottineau with 1.05% 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
    The First National Bank of Wakefield
    0.28%
    -
    $50,000
    18 Month
    Bank
    0.48x (National Avg. - 0.58%)
    $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
    State Bank of Bottineau
    1.05%
    -
    $50,000
    36 Month
    Bank
    1.39x (National Avg. - 0.75%)
    $10,000
     
    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

    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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