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Comparison of Deposit Account from The Bank and Trust, S.S.B. with 0.95% - August 2025


Long-Term Analysis of The Bank and Trust, S.S.B. with 0.95% APY and The Waggoner National Bank of Vernon with 0.75% APY and Big Bend Banks, N.A. with 0.35% APY and State Bank of De Kalb with 0.75% APY and The National Bank of Andrews with 0.50% APY and The National Bank of Andrews with 0.50% APY and Arrowhead Bank with 0.60% APY and Guadalupe Bank with 0.55% 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
    The Bank and Trust, S.S.B.
    0.95%
    -
    $50,000
    24 Month
    Bank
    1.44x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 2
    LOCAL CD
    The Waggoner National Bank of Vernon
    0.75%
    -
    $50,000
    24 Month
    Bank
    1.14x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 3
    LOCAL CD
    Big Bend Banks, N.A.
    0.35%
    -
    $50,000
    24 Month
    Bank
    0.53x (National Avg. - 0.66%)
    $10,000
     
    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
  • 4
    LOCAL CD
    State Bank of De Kalb
    0.75%
    -
    $50,000
    24 Month
    Bank
    1.14x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 5
    LOCAL CD
    The National Bank of Andrews
    0.50%
    -
    $50,000
    24 Month
    Bank
    0.76x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 251 175
    2 50,251 252 176
    3 50,502 253 177
    4 50,755 254 178
    5 51,010 256 179
    6 51,265 257 180
    7 51,522 258 181
    8 51,780 259 182
    9 52,039 261 183
    10 52,300 262 183
    11 52,562 263 184
    12 52,826 265 185
    13 53,090 266 186
    14 53,356 267 187
    15 53,624 269 188
    16 53,892 270 189
    17 54,162 271 190
    18 54,434 273 191
    19 54,706 274 192
    20 54,980 275 193
    TOTAL $5,256 $3,679
  • 6
    LOCAL CD
    The National Bank of Andrews
    0.50%
    -
    $50,000
    24 Month
    Bank
    0.76x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 251 176
    2 50,251 252 177
    3 50,503 254 177
    4 50,757 255 178
    5 51,012 256 179
    6 51,268 257 180
    7 51,525 259 181
    8 51,784 260 182
    9 52,044 261 183
    10 52,305 263 184
    11 52,567 264 185
    12 52,831 265 186
    13 53,097 267 187
    14 53,363 268 188
    15 53,631 269 188
    16 53,900 271 189
    17 54,171 272 190
    18 54,443 273 191
    19 54,716 275 192
    20 54,991 276 193
    TOTAL $5,267 $3,687
  • 7
    LOCAL CD
    Arrowhead Bank
    0.60%
    -
    $50,000
    24 Month
    Bank
    0.91x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 8
    LOCAL CD
    Guadalupe Bank
    0.55%
    -
    $50,000
    24 Month
    Bank
    0.83x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058

    All calculations are for demonstration purposes only.

    Featured CD Rates

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    Last change: ↓0.50% on October 1, 2024.

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