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Comparison of Deposit Account from State Bank of India with 3.76% - December 2025


Long-Term Analysis of Liberty Bank with 1.45% APY and State Bank of India with 3.76% 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
    Liberty Bank
    1.45%
    -
    $50,000
    48 Month
    Bank
    1.77x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    1.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 725 508
    2 50,725 736 515
    3 51,461 746 522
    4 52,207 757 530
    5 52,964 768 538
    6 53,732 779 545
    7 54,511 790 553
    8 55,301 802 561
    9 56,103 813 569
    10 56,917 825 578
    11 57,742 837 586
    12 58,579 849 595
    13 59,428 862 603
    14 60,290 874 612
    15 61,164 887 621
    16 62,051 900 630
    17 62,951 913 639
    18 63,864 926 648
    19 64,790 939 658
    20 65,729 953 667
    TOTAL $16,682 $11,678
  • 2
    LOCAL CD
    State Bank of India
    3.76%
    -
    $50,000
    48 Month
    Bank
    4.59x (National Avg. - 0.82%)
    $2,500
     
    SCENARIO
    Year Rate
    3.76%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,880 1,316
    2 51,880 1,951 1,365
    3 53,831 2,024 1,417
    4 55,855 2,100 1,470
    5 57,955 2,179 1,525
    6 60,134 2,261 1,583
    7 62,395 2,346 1,642
    8 64,741 2,434 1,704
    9 67,175 2,526 1,768
    10 69,701 2,621 1,835
    11 72,322 2,719 1,904
    12 75,041 2,822 1,975
    13 77,863 2,928 2,049
    14 80,790 3,038 2,126
    15 83,828 3,152 2,206
    16 86,980 3,270 2,289
    17 90,250 3,393 2,375
    18 93,644 3,521 2,465
    19 97,165 3,653 2,557
    20 100,818 3,791 2,654
    TOTAL $54,609 $38,226

    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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