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Comparison of Deposit Account from The First National Bank of Germantown with 0.15% - December 2025

Long-Term Analysis of The First National Bank of Germantown with 0.15% APY and BLOOM with 1.11% APY and Prosperity Bank with 0.60% APY and MCCOY with 2.17% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL SAVINGS

The First National Bank of Germantown

0.15%

$50,000

N.A.

Bank

0.66x (National Avg. - 0.23%)

$2,500

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

LOCAL CD

BLOOM

1.11%

$50,000

36 Month

Credit Union

1.47x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.11%	Annual Interest	Annual Interest (After Tax)
1	50,000	555	389
2	50,555	561	393
3	51,116	567	397
4	51,684	574	402
5	52,257	580	406
6	52,837	586	411
7	53,424	593	415
8	54,017	600	420
9	54,616	606	424
10	55,223	613	429
11	55,836	620	434
12	56,455	627	439
13	57,082	634	444
14	57,716	641	448
15	58,356	648	453
16	59,004	655	458
17	59,659	662	464
18	60,321	670	469
19	60,991	677	474
20	61,668	685	479
	TOTAL	$12,352	$8,647

LOCAL CD

Prosperity Bank

0.60%

$50,000

12 Month

Bank

1.10x (National Avg. - 0.55%)

$100,000

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

MCCOY

2.17%

$50,000

13 Month

Credit Union

N.A.

$1,000

SCENARIO

Year	Rate 2.17%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,086	760
2	51,086	1,109	776
3	52,195	1,133	793
4	53,328	1,158	810
5	54,485	1,183	828
6	55,668	1,209	846
7	56,877	1,235	864
8	58,112	1,262	883
9	59,373	1,289	902
10	60,662	1,317	922
11	61,979	1,346	942
12	63,325	1,375	962
13	64,700	1,405	983
14	66,104	1,435	1,005
15	67,539	1,466	1,026
16	69,006	1,498	1,049
17	70,504	1,531	1,071
18	72,034	1,564	1,095
19	73,598	1,598	1,118
20	75,196	1,633	1,143
	TOTAL	$26,829	$18,780

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Finworth, a division of InsBank	4.20%	$50,000	Learn More
Last change: ↑0.20% on December 7. Early Withdrawal Penalty is 6 months interest.
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.
KS StateBank	4.10%	$500	Learn More
Last change: ↓0.10% on September 17.
Bread Savings, a division of Bread Financial	4.10%	$1,500	Learn More
Last change: ↓0.05% on December 8.

Compare Savings vs. CDs Comparison of Deposit Account from The First National Bank of Germantown with 0.15% - December 2025

Long-Term Analysis of The First National Bank of Germantown with 0.15% APY and BLOOM with 1.11% APY and Prosperity Bank with 0.60% APY and MCCOY with 2.17% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from The First National Bank of Germantown with 0.15% - December 2025