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Comparison of Deposit Account from The Farmers State Bank with 0.20% - May 2024

Long-Term Analysis of The Farmers State Bank with 0.20% APY and Cleveland State Bank with 0.30% APY and CTBC Bank Corp. (USA) with 0.30% APY and Home Bank of California with 0.50% APY and CHARTER OAK with 0.70% APY and DISTRICT OF COLUMBIA TEACHERS with 0.66% APY and GROW FINANCIAL with 2.17% APY and Sunstate Bank with 0.40% APY and MEMBERS1ST COMMUNITY with 0.20% APY and The First National Bank of Okawville with 0.45% APY and The Atlanta National Bank with 0.60% APY and Farmers National Bank with 4.70% APY and DU TRAC COMMUNITY with 1.05% APY and Lena State Bank with 0.25% APY and Horizon Bank with 0.30% APY and MEMBERS ADVANTAGE with 0.35% APY and Town & Country Bank and Trust Company with 0.70% APY and Peoples Bank with 0.75% APY and First & Farmers National Bank, Inc. with 0.40% APY and Citizens Guaranty Bank with 0.30% APY and Citizens Bank & Trust Company of Vivian, Louisiana with 0.45% APY and CITY with 0.25% APY and ELECTRO SAVINGS with 1.00% APY and PIEDMONT ADVANTAGE CREDIT UNION with 0.75% APY and Farmers Security Bank with 0.70% APY and First State Bank & Trust with 0.60% APY and The Union Bank with 1.75% APY and First State Bank with 0.80% APY and ENERGY PEOPLE with 1.05% APY and ANIMAS with 0.10% APY and ANIMAS with 0.10% APY and Reliant Bank with 1.15% APY and ServisFirst Bank with 0.71% APY and The First Bank and Trust Company with 0.35% APY and PATRIOT EQUITY with 1.00% APY and The Bank of Jackson with 0.55% APY and Millennium Bank with 0.40% APY and SANTA FE with 0.70% APY and Shinhan Bank America with 0.25% APY and PCM with 1.00% APY and Bank of Luxemburg with 0.70% APY and FOND DU LAC with 0.50% APY and ONPOINT COMMUNITY with 2.35% APY and JPMorgan Chase Bank, National Association with 2.00% APY and BETHPAGE with 2.00% APY and COMMONWEALTH ONE with 3.51% APY and Cape Cod Co-operative Bank with 3.50% APY and Bell Bank with 3.50% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

The Farmers State Bank

0.20%

$50,000

18 Month

Bank

0.28x (National Avg. - 0.73%)

$1,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL MONEY MARKET

Cleveland State Bank

0.30%

$50,000

N.A.

Bank

0.41x (National Avg. - 0.73%)

$25,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

CTBC Bank Corp. (USA)

0.30%

$50,000

6 Month

Bank

0.44x (National Avg. - 0.69%)

$5,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

Home Bank of California

0.50%

$50,000

12 Month

Bank

0.60x (National Avg. - 0.84%)

$100,000

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

LOCAL CD

CHARTER OAK

0.70%

$50,000

24 Month

Credit Union

0.74x (National Avg. - 0.95%)

$1,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

DISTRICT OF COLUMBIA TEACHERS

0.66%

$50,000

48 Month

Credit Union

0.69x (National Avg. - 0.95%)

$100,000

SCENARIO

Year	Rate 0.66%	Annual Interest	Annual Interest (After Tax)
1	50,000	330	231
2	50,330	332	233
3	50,662	334	234
4	50,997	337	236
5	51,333	339	237
6	51,672	341	239
7	52,013	343	240
8	52,356	346	242
9	52,702	348	243
10	53,050	350	245
11	53,400	352	247
12	53,752	355	248
13	54,107	357	250
14	54,464	359	252
15	54,824	362	253
16	55,185	364	255
17	55,550	367	257
18	55,916	369	258
19	56,285	371	260
20	56,657	374	262
	TOTAL	$7,031	$4,921

LOCAL MONEY MARKET

GROW FINANCIAL

2.17%

$50,000

N.A.

Credit Union

2.28x (National Avg. - 0.95%)

$250,000

SCENARIO

Year	Rate 2.17%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,085	760
2	51,085	1,109	776
3	52,194	1,133	793
4	53,326	1,157	810
5	54,483	1,182	828
6	55,666	1,208	846
7	56,874	1,234	864
8	58,108	1,261	883
9	59,369	1,288	902
10	60,657	1,316	921
11	61,973	1,345	941
12	63,318	1,374	962
13	64,692	1,404	983
14	66,096	1,434	1,004
15	67,530	1,465	1,026
16	68,996	1,497	1,048
17	70,493	1,530	1,071
18	72,022	1,563	1,094
19	73,585	1,597	1,118
20	75,182	1,631	1,142
	TOTAL	$26,814	$18,769

LOCAL CD

Sunstate Bank

0.40%

$50,000

12 Month

Bank

0.48x (National Avg. - 0.84%)

$100,000

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

LOCAL MONEY MARKET

MEMBERS1ST COMMUNITY

0.20%

$50,000

N.A.

Credit Union

0.24x (National Avg. - 0.84%)

$2,500

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

The First National Bank of Okawville

0.45%

$50,000

18 Month

Bank

0.62x (National Avg. - 0.73%)

$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

LOCAL CD

The Atlanta National Bank

0.60%

$50,000

18 Month

Bank

0.83x (National Avg. - 0.73%)

$10,000

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

LOCAL CD

Farmers National Bank

4.70%

$50,000

12 Month

Bank

5.61x (National Avg. - 0.84%)

$500

SCENARIO

Year	Rate 4.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,350	1,645
2	52,350	2,460	1,722
3	54,810	2,576	1,803
4	57,387	2,697	1,888
5	60,084	2,824	1,977
6	62,908	2,957	2,070
7	65,864	3,096	2,167
8	68,960	3,241	2,269
9	72,201	3,393	2,375
10	75,594	3,553	2,487
11	79,147	3,720	2,604
12	82,867	3,895	2,726
13	86,762	4,078	2,854
14	90,840	4,269	2,989
15	95,109	4,470	3,129
16	99,580	4,680	3,276
17	104,260	4,900	3,430
18	109,160	5,131	3,591
19	114,291	5,372	3,760
20	119,662	5,624	3,937
	TOTAL	$75,286	$52,700

LOCAL CD

DU TRAC COMMUNITY

1.05%

$50,000

36 Month

Credit Union

1.20x (National Avg. - 0.87%)

$100,000

SCENARIO

Year	Rate 1.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	525	368
2	50,525	531	371
3	51,056	536	375
4	51,592	542	379
5	52,133	547	383
6	52,681	553	387
7	53,234	559	391
8	53,793	565	395
9	54,358	571	400
10	54,928	577	404
11	55,505	583	408
12	56,088	589	412
13	56,677	595	417
14	57,272	601	421
15	57,873	608	425
16	58,481	614	430
17	59,095	620	434
18	59,716	627	439
19	60,343	634	444
20	60,976	640	448
	TOTAL	$11,616	$8,131

LOCAL CD

Lena State Bank

0.25%

$50,000

18 Month

Bank

0.34x (National Avg. - 0.73%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

Horizon Bank

0.30%

$50,000

24 Month

Bank

0.32x (National Avg. - 0.95%)

$100,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

MEMBERS ADVANTAGE

0.35%

$50,000

6 Month

Credit Union

0.51x (National Avg. - 0.69%)

$100,000

SCENARIO

Year	Rate 0.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	176	123
2	50,176	176	123
3	50,352	177	124
4	50,528	177	124
5	50,706	178	125
6	50,884	179	125
7	51,062	179	125
8	51,242	180	126
9	51,421	180	126
10	51,602	181	127
11	51,783	182	127
12	51,965	182	128
13	52,147	183	128
14	52,330	184	129
15	52,514	184	129
16	52,698	185	129
17	52,883	186	130
18	53,069	186	130
19	53,255	187	131
20	53,442	188	131
	TOTAL	$3,630	$2,541

LOCAL CD

Town & Country Bank and Trust Company

0.70%

$50,000

36 Month

Bank

0.80x (National Avg. - 0.87%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

Peoples Bank

0.75%

$50,000

36 Month

Bank

0.86x (National Avg. - 0.87%)

$500

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

LOCAL CD

First & Farmers National Bank, Inc.

0.40%

$50,000

12 Month

Bank

0.48x (National Avg. - 0.84%)

$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

LOCAL CD

Citizens Guaranty Bank

0.30%

$50,000

6 Month

Bank

0.44x (National Avg. - 0.69%)

$10,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

Citizens Bank & Trust Company of Vivian, Louisiana

0.45%

$50,000

6 Month

Bank

0.66x (National Avg. - 0.69%)

$10,000

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

LOCAL CD

CITY

0.25%

$50,000

12 Month

Credit Union

0.30x (National Avg. - 0.84%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

ELECTRO SAVINGS

1.00%

$50,000

12 Month

Credit Union

1.19x (National Avg. - 0.84%)

$100,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

PIEDMONT ADVANTAGE CREDIT UNION

0.75%

$50,000

48 Month

Credit Union

0.79x (National Avg. - 0.95%)

$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

LOCAL CD

Farmers Security Bank

0.70%

$50,000

18 Month

Bank

0.97x (National Avg. - 0.73%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

First State Bank & Trust

0.60%

$50,000

25 Month

Bank

N.A.

$500

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

LOCAL CD

The Union Bank

1.75%

$50,000

60 Month

Bank

1.92x (National Avg. - 0.91%)

$100,000

SCENARIO

Year	Rate 1.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	875	613
2	50,875	890	623
3	51,765	906	634
4	52,671	922	645
5	53,593	938	657
6	54,531	954	668
7	55,485	971	680
8	56,456	988	692
9	57,444	1,005	704
10	58,449	1,023	716
11	59,472	1,041	729
12	60,513	1,059	741
13	61,572	1,078	754
14	62,649	1,096	767
15	63,746	1,116	781
16	64,861	1,135	795
17	65,996	1,155	808
18	67,151	1,175	823
19	68,327	1,196	837
20	69,522	1,217	852
	TOTAL	$20,739	$14,517

LOCAL CD

First State Bank

0.80%

$50,000

48 Month

Bank

0.84x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

ENERGY PEOPLE

1.05%

$50,000

48 Month

Credit Union

1.10x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 1.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	525	368
2	50,525	531	371
3	51,056	536	375
4	51,592	542	379
5	52,133	547	383
6	52,681	553	387
7	53,234	559	391
8	53,793	565	395
9	54,358	571	400
10	54,928	577	404
11	55,505	583	408
12	56,088	589	412
13	56,677	595	417
14	57,272	601	421
15	57,873	608	425
16	58,481	614	430
17	59,095	620	434
18	59,716	627	439
19	60,343	634	444
20	60,976	640	448
	TOTAL	$11,616	$8,131

LOCAL MONEY MARKET

ANIMAS

0.10%

$50,000

N.A.

Credit Union

0.11x (National Avg. - 0.95%)

$2,500

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL MONEY MARKET

ANIMAS

0.10%

$50,000

N.A.

Credit Union

0.11x (National Avg. - 0.95%)

$25,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

Reliant Bank

1.15%

$50,000

60 Month

Bank

1.26x (National Avg. - 0.91%)

$100,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

LOCAL CD

ServisFirst Bank

0.71%

$50,000

24 Month

Bank

0.75x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 0.71%	Annual Interest	Annual Interest (After Tax)
1	50,000	355	249
2	50,355	358	250
3	50,713	360	252
4	51,073	363	254
5	51,435	365	256
6	51,800	368	257
7	52,168	370	259
8	52,539	373	261
9	52,912	376	263
10	53,287	378	265
11	53,666	381	267
12	54,047	384	269
13	54,430	386	271
14	54,817	389	272
15	55,206	392	274
16	55,598	395	276
17	55,993	398	278
18	56,390	400	280
19	56,791	403	282
20	57,194	406	284
	TOTAL	$7,600	$5,320

LOCAL CD

The First Bank and Trust Company

0.35%

$50,000

24 Month

Bank

0.37x (National Avg. - 0.95%)

$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

LOCAL CD

PATRIOT EQUITY

1.00%

$50,000

36 Month

Credit Union

1.15x (National Avg. - 0.87%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

The Bank of Jackson

0.55%

$50,000

24 Month

Bank

0.58x (National Avg. - 0.95%)

$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

LOCAL CD

Millennium Bank

0.40%

$50,000

12 Month

Bank

0.48x (National Avg. - 0.84%)

$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

LOCAL CD

SANTA FE

0.70%

$50,000

12 Month

Credit Union

0.84x (National Avg. - 0.84%)

$100,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	351	246
2	50,351	353	247
3	50,704	356	249
4	51,060	358	251
5	51,419	361	253
6	51,780	363	254
7	52,143	366	256
8	52,509	369	258
9	52,878	371	260
10	53,249	374	262
11	53,623	376	264
12	53,999	379	265
13	54,378	382	267
14	54,760	384	269
15	55,145	387	271
16	55,532	390	273
17	55,922	393	275
18	56,314	395	277
19	56,709	398	279
20	57,108	401	281
	TOTAL	$7,508	$5,256

LOCAL CD

Shinhan Bank America

0.25%

$50,000

24 Month

Bank

0.26x (National Avg. - 0.95%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

PCM

1.00%

$50,000

12 Month

Credit Union

1.19x (National Avg. - 0.84%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

Bank of Luxemburg

0.70%

$50,000

12 Month

Bank

0.84x (National Avg. - 0.84%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

FOND DU LAC

0.50%

$50,000

12 Month

Credit Union

0.60x (National Avg. - 0.84%)

$100,000

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

LOCAL CD

ONPOINT COMMUNITY

2.35%

$50,000

24 Month

Credit Union

2.48x (National Avg. - 0.95%)

$1,000

SCENARIO

Year	Rate 2.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,175	823
2	51,175	1,203	842
3	52,378	1,231	862
4	53,608	1,260	882
5	54,868	1,289	903
6	56,158	1,320	924
7	57,477	1,351	946
8	58,828	1,382	968
9	60,211	1,415	990
10	61,626	1,448	1,014
11	63,074	1,482	1,038
12	64,556	1,517	1,062
13	66,073	1,553	1,087
14	67,626	1,589	1,112
15	69,215	1,627	1,139
16	70,841	1,665	1,165
17	72,506	1,704	1,193
18	74,210	1,744	1,221
19	75,954	1,785	1,249
20	77,739	1,827	1,279
	TOTAL	$29,566	$20,696

LOCAL CD

JPMorgan Chase Bank, National Association

2.00%

$50,000

12 Month

Bank

2.39x (National Avg. - 0.84%)

$100,000

SCENARIO

Year	Rate 2.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,000	700
2	51,000	1,020	714
3	52,020	1,040	728
4	53,060	1,061	743
5	54,122	1,082	758
6	55,204	1,104	773
7	56,308	1,126	788
8	57,434	1,149	804
9	58,583	1,172	820
10	59,755	1,195	837
11	60,950	1,219	853
12	62,169	1,243	870
13	63,412	1,268	888
14	64,680	1,294	906
15	65,974	1,319	924
16	67,293	1,346	942
17	68,639	1,373	961
18	70,012	1,400	980
19	71,412	1,428	1,000
20	72,841	1,457	1,020
	TOTAL	$24,297	$17,008

LOCAL MONEY MARKET

BETHPAGE

2.00%

$50,000

N.A.

Credit Union

2.39x (National Avg. - 0.84%)

$500,000

SCENARIO

Year	Rate 2.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,000	700
2	51,000	1,020	714
3	52,020	1,040	728
4	53,060	1,061	743
5	54,122	1,082	758
6	55,204	1,104	773
7	56,308	1,126	788
8	57,434	1,149	804
9	58,583	1,172	820
10	59,755	1,195	837
11	60,950	1,219	853
12	62,169	1,243	870
13	63,412	1,268	888
14	64,680	1,294	906
15	65,974	1,319	924
16	67,293	1,346	942
17	68,639	1,373	961
18	70,012	1,400	980
19	71,412	1,428	1,000
20	72,841	1,457	1,020
	TOTAL	$24,297	$17,008

LOCAL CD

COMMONWEALTH ONE

3.51%

$50,000

30 Month

Credit Union

N.A.

SCENARIO

Year	Rate 3.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,755	1,229
2	51,755	1,817	1,272
3	53,572	1,880	1,316
4	55,452	1,946	1,362
5	57,398	2,015	1,410
6	59,413	2,085	1,460
7	61,498	2,159	1,511
8	63,657	2,234	1,564
9	65,891	2,313	1,619
10	68,204	2,394	1,676
11	70,598	2,478	1,735
12	73,076	2,565	1,795
13	75,641	2,655	1,859
14	78,296	2,748	1,924
15	81,044	2,845	1,991
16	83,889	2,945	2,061
17	86,833	3,048	2,133
18	89,881	3,155	2,208
19	93,036	3,266	2,286
20	96,302	3,380	2,366
	TOTAL	$49,682	$34,777

LOCAL CD

Cape Cod Co-operative Bank

3.50%

$50,000

24 Month

Bank

3.69x (National Avg. - 0.95%)

$500

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

LOCAL CD

Bell Bank

3.50%

$50,000

18 Month

Bank

4.83x (National Avg. - 0.73%)

$500

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Blue Foundry Bank	6.00%	$5,000	Learn More
5 Month CD Special. Must be linked to a standard consumer or business checking account in which 12.6% of the total combined balance is maintained. Otherwise APY is 5.25%.
TotalDirect, a division of City National Bank of Florida	5.51%	$25,000	Learn More
Last change: ↓0.15% on May 13. 3 Month CD.
My e-Banc, a division of Bradesco BAC Florida Bank	5.49%	$50,000	Learn More
Last change: ↑0.09% on March 12. 6 Month Jumbo CD.
Charles Schwab Bank, SSB	5.46%	$1,000	Learn More
Last change: ↓0.05% on May 9.
My e-Banc, a division of Bradesco BAC Florida Bank	5.41%	$50,000	Learn More
Last change: ↓0.36% on March 12. Early Withdrawal Penalty is 3 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from The Farmers State Bank with 0.20% - May 2024

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from The Farmers State Bank with 0.20% - May 2024