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Comparison of Deposit Account from The First, A National Banking Association with 0.15% - July 2025


Long-Term Analysis of The First, A National Banking Association with 0.15% APY and FANNIN with 1.61% 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
    The First, A National Banking Association
    0.15%
    -
    $50,000
    6 Month
    Bank
    0.37x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 2
    LOCAL CD
    FANNIN
    1.61%
    -
    $50,000
    36 Month
    Credit Union
    2.14x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.61%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 806 564
    2 50,806 819 573
    3 51,625 832 583
    4 52,457 846 592
    5 53,303 859 601
    6 54,162 873 611
    7 55,035 887 621
    8 55,922 901 631
    9 56,824 916 641
    10 57,740 931 652
    11 58,671 946 662
    12 59,616 961 673
    13 60,577 977 684
    14 61,554 992 695
    15 62,546 1,008 706
    16 63,554 1,024 717
    17 64,579 1,041 729
    18 65,620 1,058 740
    19 66,678 1,075 752
    20 67,752 1,092 765
    TOTAL $18,845 $13,191

    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.

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