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Comparison of Deposit Account from The Citizens National Bank of Lebanon with 0.13% - June 2025


Long-Term Analysis of First-Citizens Bank & Trust Company with 0.02% APY and Bank Iowa with 0.38% APY and The Citizens National Bank of Lebanon with 0.13% APY and The Putnam County National Bank of Carmel with 0.48% APY and VALLEY FINANCIAL with 0.90% 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
    First-Citizens Bank & Trust Company
    0.02%
    -
    $50,000
    18 Month
    Bank
    0.03x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    0.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 10 7
    2 50,010 10 7
    3 50,020 10 7
    4 50,030 10 7
    5 50,040 10 7
    6 50,050 10 7
    7 50,060 10 7
    8 50,070 10 7
    9 50,080 10 7
    10 50,090 10 7
    11 50,100 10 7
    12 50,110 10 7
    13 50,120 10 7
    14 50,130 10 7
    15 50,140 10 7
    16 50,150 10 7
    17 50,160 10 7
    18 50,170 10 7
    19 50,180 10 7
    20 50,190 10 7
    TOTAL $200 $140
  • 2
    LOCAL CD
    Bank Iowa
    0.38%
    -
    $50,000
    24 Month
    Bank
    0.57x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    0.38%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 190 133
    2 50,190 191 134
    3 50,381 191 134
    4 50,572 192 135
    5 50,764 193 135
    6 50,957 194 136
    7 51,151 194 136
    8 51,345 195 137
    9 51,540 196 137
    10 51,736 197 138
    11 51,933 197 138
    12 52,130 198 139
    13 52,328 199 139
    14 52,527 200 140
    15 52,727 200 140
    16 52,927 201 141
    17 53,128 202 141
    18 53,330 203 142
    19 53,533 203 142
    20 53,736 204 143
    TOTAL $3,940 $2,758
  • 3
    LOCAL CD
    The Citizens National Bank of Lebanon
    0.13%
    -
    $50,000
    24 Month
    Bank
    0.19x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.13%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 63 44
    2 50,063 63 44
    3 50,125 63 44
    4 50,188 63 44
    5 50,250 63 44
    6 50,313 63 44
    7 50,376 63 44
    8 50,439 63 44
    9 50,502 63 44
    10 50,565 63 44
    11 50,629 63 44
    12 50,692 63 44
    13 50,755 63 44
    14 50,819 64 44
    15 50,882 64 45
    16 50,946 64 45
    17 51,009 64 45
    18 51,073 64 45
    19 51,137 64 45
    20 51,201 64 45
    TOTAL $1,265 $885
  • 4
    LOCAL CD
    The Putnam County National Bank of Carmel
    0.48%
    -
    $50,000
    18 Month
    Bank
    0.83x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.48%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 240 168
    2 50,240 241 169
    3 50,481 242 170
    4 50,723 243 170
    5 50,967 245 171
    6 51,212 246 172
    7 51,457 247 173
    8 51,704 248 174
    9 51,953 249 175
    10 52,202 251 175
    11 52,453 252 176
    12 52,704 253 177
    13 52,957 254 178
    14 53,211 255 179
    15 53,467 257 180
    16 53,724 258 181
    17 53,981 259 181
    18 54,240 260 182
    19 54,501 262 183
    20 54,762 263 184
    TOTAL $5,025 $3,518
  • 5
    LOCAL CD
    VALLEY FINANCIAL
    0.90%
    -
    $50,000
    48 Month
    Credit Union
    1.10x (National Avg. - 0.82%)
    $500
     
    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

    All calculations are for demonstration purposes only.

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