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Comparison of Deposit Account from The First National Bank and Trust Company with 0.23% - June 2025


Long-Term Analysis of The First National Bank and Trust Company with 0.23% APY and Community Bank with 0.30% APY and CREDIT UNION ONE with 0.35% APY and Sound Community Bank with 3.28% 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 National Bank and Trust Company
    0.23%
    -
    $50,000
    24 Month
    Bank
    0.35x (National Avg. - 0.66%)
    $1,000
     
    SCENARIO
    Year Rate
    0.23%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 115 81
    2 50,115 115 81
    3 50,230 116 81
    4 50,346 116 81
    5 50,462 116 81
    6 50,578 116 81
    7 50,694 117 82
    8 50,811 117 82
    9 50,927 117 82
    10 51,045 117 82
    11 51,162 118 82
    12 51,280 118 83
    13 51,398 118 83
    14 51,516 118 83
    15 51,634 119 83
    16 51,753 119 83
    17 51,872 119 84
    18 51,991 120 84
    19 52,111 120 84
    20 52,231 120 84
    TOTAL $2,351 $1,646
  • 2
    LOCAL CD
    Community Bank
    0.30%
    -
    $50,000
    24 Month
    Bank
    0.45x (National Avg. - 0.66%)
    $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
  • 3
    LOCAL CD
    CREDIT UNION ONE
    0.35%
    -
    $50,000
    24 Month
    Credit Union
    0.53x (National Avg. - 0.66%)
    $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
  • 4
    LOCAL CD
    Sound Community Bank
    3.28%
    -
    $50,000
    6 Month
    Bank
    8.02x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    3.28%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,640 1,148
    2 51,640 1,694 1,186
    3 53,334 1,749 1,225
    4 55,083 1,807 1,265
    5 56,890 1,866 1,306
    6 58,756 1,927 1,349
    7 60,683 1,990 1,393
    8 62,673 2,056 1,439
    9 64,729 2,123 1,486
    10 66,852 2,193 1,535
    11 69,045 2,265 1,585
    12 71,310 2,339 1,637
    13 73,649 2,416 1,691
    14 76,064 2,495 1,746
    15 78,559 2,577 1,804
    16 81,136 2,661 1,863
    17 83,797 2,749 1,924
    18 86,546 2,839 1,987
    19 89,384 2,932 2,052
    20 92,316 3,028 2,120
    TOTAL $45,344 $31,741

    All calculations are for demonstration purposes only.

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