Compare Savings vs. CDs
Comparison of Deposit Account from The Citizens Bank of Georgia with 0.50% - July 2025


Long-Term Analysis of The Citizens Bank of Georgia with 0.50% APY and Farmers & Merchants Bank of Colby with 0.45% APY and GROW FINANCIAL with 1.97% 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
    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
  • 2
    LOCAL CD
    0.45%
    -
    $50,000
    12 Month
    Bank
    0.82x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.45%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 3
    LOCAL MONEY MARKET
    1.97%
    -
    $50,000
    N.A.
    Credit Union
    3.57x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    1.97%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 985 690
    2 50,985 1,004 703
    3 51,989 1,024 717
    4 53,014 1,044 731
    5 54,058 1,065 745
    6 55,123 1,086 760
    7 56,209 1,107 775
    8 57,316 1,129 790
    9 58,445 1,151 806
    10 59,597 1,174 822
    11 60,771 1,197 838
    12 61,968 1,221 855
    13 63,189 1,245 871
    14 64,433 1,269 889
    15 65,703 1,294 906
    16 66,997 1,320 924
    17 68,317 1,346 942
    18 69,663 1,372 961
    19 71,035 1,399 980
    20 72,435 1,427 999
    TOTAL $23,862 $16,703

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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

    Last change: ↑0.06% on June 24.

    Last change: ↑0.20% on January 18.

    Last change: ↑0.20% on April 9.

    Last change: ↑0.34% on May 27.
    Warning: Early Withdrawal Penalty is 180 days interest.