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Comparison of Deposit Account from The Farmers Bank with 0.61% - December 2025


Long-Term Analysis of NORTHERN COLORADO with 0.50% APY and The Farmers Bank with 0.61% 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
    NORTHERN COLORADO
    0.50%
    -
    $50,000
    6 Month
    Credit Union
    1.24x (National Avg. - 0.40%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 2
    LOCAL CD
    The Farmers Bank
    0.61%
    -
    $50,000
    6 Month
    Bank
    1.51x (National Avg. - 0.40%)
    $10,000
     
    SCENARIO
    Year Rate
    0.61%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 306 214
    2 50,306 307 215
    3 50,613 309 216
    4 50,922 311 218
    5 51,233 313 219
    6 51,546 315 220
    7 51,861 317 222
    8 52,178 319 223
    9 52,497 321 225
    10 52,818 323 226
    11 53,140 325 227
    12 53,465 327 229
    13 53,792 329 230
    14 54,120 331 231
    15 54,451 333 233
    16 54,784 335 234
    17 55,119 337 236
    18 55,455 339 237
    19 55,794 341 239
    20 56,135 343 240
    TOTAL $6,478 $4,535

    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: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.

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    Last Update on December 19, 2025

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