Compare Savings vs. CDs
Comparison of Deposit Account from The First State Bank of Malta with 1.66% - June 2025


Long-Term Analysis of PNB Community Bank with 0.05% APY and The First State Bank of Malta with 1.66% 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
    0.05%
    -
    $50,000
    12 Month
    Bank
    0.09x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    0.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    LOCAL CD
    1.66%
    -
    $50,000
    60 Month
    Bank
    1.80x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.66%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 830 581
    2 50,830 844 591
    3 51,674 858 600
    4 52,532 872 610
    5 53,404 886 621
    6 54,290 901 631
    7 55,191 916 641
    8 56,107 931 652
    9 57,039 947 663
    10 57,986 963 674
    11 58,948 979 685
    12 59,927 995 696
    13 60,922 1,011 708
    14 61,933 1,028 720
    15 62,961 1,045 732
    16 64,006 1,063 744
    17 65,069 1,080 756
    18 66,149 1,098 769
    19 67,247 1,116 781
    20 68,363 1,135 794
    TOTAL $19,498 $13,649

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% 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.

    Last change: ↑0.26% on April 9.
    Early Withdrawal Penalty is 6 months interest.