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Comparison of Deposit Account from The Citizens State Bank with 0.22% - May 2025


Long-Term Analysis of The Citizens State Bank with 0.22% APY and Lone Star State Bank of West Texas with 0.40% 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 MONEY MARKET
    The Citizens State Bank
    0.22%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    0.22%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 110 77
    2 50,110 110 77
    3 50,220 110 77
    4 50,331 111 78
    5 50,441 111 78
    6 50,552 111 78
    7 50,664 111 78
    8 50,775 112 78
    9 50,887 112 78
    10 50,999 112 79
    11 51,111 112 79
    12 51,223 113 79
    13 51,336 113 79
    14 51,449 113 79
    15 51,562 113 79
    16 51,676 114 80
    17 51,789 114 80
    18 51,903 114 80
    19 52,017 114 80
    20 52,132 115 80
    TOTAL $2,247 $1,573
  • 2
    LOCAL CD
    Lone Star State Bank of West Texas
    0.40%
    -
    $50,000
    18 Month
    Bank
    0.69x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909

    All calculations are for demonstration purposes only.

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