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Comparison of Deposit Account from The First National Bank of Stigler with 0.60% - July 2025


Long-Term Analysis of OneWest Bank, a division of First-Citizens Bank and Trust with 0.02% APY and The First National Bank of Stigler with 0.60% APY and WESTEX COMMUNITY with 0.46% 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
    ONLINE CD
    OneWest Bank, a division of First-Citizens Bank and Trust
    0.02%
    -
    $50,000
    18 Month
    Online Bank
    0.03x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    0.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 10 7
    2 50,010 10 7
    3 50,020 10 7
    4 50,030 10 7
    5 50,040 10 7
    6 50,050 10 7
    7 50,060 10 7
    8 50,070 10 7
    9 50,080 10 7
    10 50,090 10 7
    11 50,100 10 7
    12 50,110 10 7
    13 50,120 10 7
    14 50,130 10 7
    15 50,140 10 7
    16 50,150 10 7
    17 50,160 10 7
    18 50,170 10 7
    19 50,180 10 7
    20 50,190 10 7
    TOTAL $200 $140
  • 2
    LOCAL CD
    The First National Bank of Stigler
    0.60%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $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
  • 3
    LOCAL CD
    WESTEX COMMUNITY
    0.46%
    -
    $50,000
    12 Month
    Credit Union
    0.83x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.46%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 229 160
    2 50,229 230 161
    3 50,459 231 162
    4 50,690 232 163
    5 50,922 233 163
    6 51,156 234 164
    7 51,390 235 165
    8 51,625 236 166
    9 51,862 238 166
    10 52,099 239 167
    11 52,338 240 168
    12 52,577 241 169
    13 52,818 242 169
    14 53,060 243 170
    15 53,303 244 171
    16 53,547 245 172
    17 53,793 246 172
    18 54,039 247 173
    19 54,286 249 174
    20 54,535 250 175
    TOTAL $4,785 $3,349

    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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