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Comparison of Deposit Account from The Gifford State Bank with 0.95% - May 2025

Long-Term Analysis of INTOUCH with 1.05% APY and Bryant Bank with 0.65% APY and MTC with 2.27% APY and Waypoint Bank with 0.45% APY and RED ROCKS with 0.05% APY and COMTRUST with 0.10% APY and CCB Community Bank with 0.40% APY and ADDITION FINANCIAL with 2.78% APY and JETSTREAM with 0.05% APY and Bank of Hazlehurst with 0.70% APY and The State Bank with 0.75% APY and The State Bank with 0.25% APY and First Central State Bank with 0.15% APY and Wayland State Bank with 0.50% APY and The Gifford State Bank with 0.95% APY and Sicily Island State Bank with 0.75% APY and Needham Bank with 0.15% APY and SECURITYPLUS with 1.00% APY and DIRIGO with 0.70% APY and First Resource Bank with 0.35% APY and KodaBank with 1.10% APY and First Midwest Bank of Poplar Bluff with 0.30% APY and POWERCO with 1.28% APY and Union Bank with 0.75% APY and UNION BUILDING TRADES with 0.60% APY and MOTION with 0.45% APY and Crest Savings Bank with 0.45% APY and Crest Savings Bank with 0.65% APY and WESTERN DIVISION with 0.50% APY and Jersey Shore State Bank with 0.03% APY and Iron Workers Savings Bank with 1.00% APY and The Washington Trust Company, of Westerly with 0.75% APY and Andrew Johnson Bank with 0.50% APY and TEXOMA COMMUNITY with 1.16% APY and LAS COLINAS with 0.10% APY and NECHES with 0.10% APY and UNIFY FINANCIAL with 3.10% APY and BAYCEL with 0.25% APY and CONE with 1.00% APY and The First National Bank of Peterstown with 0.15% APY and DIRECT with 3.06% APY and Peak Bank, a division of Idaho First Bank with 4.16% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

INTOUCH

1.05%

$50,000

60 Month

Credit Union

1.14x (National Avg. - 0.92%)

$1,000

SCENARIO

Year	Rate 1.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	525	368
2	50,525	531	371
3	51,056	536	375
4	51,592	542	379
5	52,133	547	383
6	52,681	553	387
7	53,234	559	391
8	53,793	565	395
9	54,358	571	400
10	54,928	577	404
11	55,505	583	408
12	56,088	589	412
13	56,677	595	417
14	57,272	601	421
15	57,873	608	425
16	58,481	614	430
17	59,095	620	434
18	59,716	627	439
19	60,343	634	444
20	60,976	640	448
	TOTAL	$11,616	$8,131

LOCAL CD

Bryant Bank

0.65%

$50,000

48 Month

Bank

0.80x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL MONEY MARKET

MTC

2.27%

$50,000

N.A.

Credit Union

2.78x (National Avg. - 0.82%)

$15,000

SCENARIO

Year	Rate 2.27%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,135	795
2	51,135	1,161	813
3	52,296	1,187	831
4	53,483	1,214	850
5	54,697	1,242	869
6	55,939	1,270	889
7	57,208	1,299	909
8	58,507	1,328	930
9	59,835	1,358	951
10	61,193	1,389	972
11	62,582	1,421	994
12	64,003	1,453	1,017
13	65,456	1,486	1,040
14	66,942	1,520	1,064
15	68,461	1,554	1,088
16	70,015	1,589	1,113
17	71,605	1,625	1,138
18	73,230	1,662	1,164
19	74,893	1,700	1,190
20	76,593	1,739	1,217
	TOTAL	$28,331	$19,832

LOCAL CD

Waypoint Bank

0.45%

$50,000

24 Month

Bank

0.68x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL SAVINGS

RED ROCKS

0.05%

$50,000

N.A.

Credit Union

0.22x (National Avg. - 0.22%)

$2,500

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

LOCAL MONEY MARKET

COMTRUST

0.10%

$50,000

N.A.

Credit Union

0.45x (National Avg. - 0.22%)

$25,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

CCB Community Bank

0.40%

$50,000

24 Month

Bank

0.61x (National Avg. - 0.66%)

$500

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

ADDITION FINANCIAL

2.78%

$50,000

30 Month

Credit Union

N.A.

$1,000

SCENARIO

Year	Rate 2.78%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,390	973
2	51,390	1,429	1,000
3	52,819	1,468	1,028
4	54,287	1,509	1,056
5	55,796	1,551	1,086
6	57,347	1,594	1,116
7	58,942	1,639	1,147
8	60,580	1,684	1,179
9	62,264	1,731	1,212
10	63,995	1,779	1,245
11	65,774	1,829	1,280
12	67,603	1,879	1,316
13	69,482	1,932	1,352
14	71,414	1,985	1,390
15	73,399	2,040	1,428
16	75,440	2,097	1,468
17	77,537	2,156	1,509
18	79,692	2,215	1,551
19	81,908	2,277	1,594
20	84,185	2,340	1,638
	TOTAL	$36,525	$25,568

LOCAL SAVINGS

JETSTREAM

0.05%

$50,000

N.A.

Credit Union

0.22x (National Avg. - 0.22%)

$2,500

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

LOCAL CD

Bank of Hazlehurst

0.70%

$50,000

24 Month

Bank

1.06x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

The State Bank

0.75%

$50,000

36 Month

Bank

1.00x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

The State Bank

0.25%

$50,000

6 Month

Bank

0.61x (National Avg. - 0.41%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

First Central State Bank

0.15%

$50,000

12 Month

Bank

0.27x (National Avg. - 0.55%)

$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

LOCAL CD

Wayland State Bank

0.50%

$50,000

18 Month

Bank

0.86x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

The Gifford State Bank

0.95%

$50,000

48 Month

Bank

1.16x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	475	333
2	50,475	480	336
3	50,955	484	339
4	51,439	489	342
5	51,927	493	345
6	52,421	498	349
7	52,919	503	352
8	53,421	508	355
9	53,929	512	359
10	54,441	517	362
11	54,958	522	365
12	55,480	527	369
13	56,007	532	372
14	56,540	537	376
15	57,077	542	380
16	57,619	547	383
17	58,166	553	387
18	58,719	558	390
19	59,277	563	394
20	59,840	568	398
	TOTAL	$10,408	$7,286

LOCAL CD

Sicily Island State Bank

0.75%

$50,000

60 Month

Bank

0.82x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL MONEY MARKET

Needham Bank

0.15%

$50,000

N.A.

Bank

0.16x (National Avg. - 0.92%)

$25,000

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

LOCAL CD

SECURITYPLUS

1.00%

$50,000

12 Month

Credit Union

1.81x (National Avg. - 0.55%)

$1,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

DIRIGO

0.70%

$50,000

24 Month

Credit Union

1.06x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

First Resource Bank

0.35%

$50,000

24 Month

Bank

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

LOCAL CD

KodaBank

1.10%

$50,000

48 Month

Bank

1.35x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

LOCAL SAVINGS

First Midwest Bank of Poplar Bluff

0.30%

$50,000

N.A.

Bank

1.35x (National Avg. - 0.22%)

$2,500

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

LOCAL CD

POWERCO

1.28%

$50,000

30 Month

Credit Union

N.A.

$100,000

SCENARIO

Year	Rate 1.28%	Annual Interest	Annual Interest (After Tax)
1	50,000	640	448
2	50,640	648	454
3	51,288	656	460
4	51,945	665	465
5	52,610	673	471
6	53,283	682	477
7	53,965	691	484
8	54,656	700	490
9	55,355	709	496
10	56,064	718	502
11	56,782	727	509
12	57,508	736	515
13	58,244	746	522
14	58,990	755	529
15	59,745	765	535
16	60,510	775	542
17	61,284	784	549
18	62,069	794	556
19	62,863	805	563
20	63,668	815	570
	TOTAL	$14,483	$10,138

LOCAL CD

Union Bank

0.75%

$50,000

60 Month

Bank

0.82x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

UNION BUILDING TRADES

0.60%

$50,000

30 Month

Credit Union

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

LOCAL CD

MOTION

0.45%

$50,000

30 Month

Credit Union

N.A.

$100,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

Crest Savings Bank

0.45%

$50,000

24 Month

Bank

0.68x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

Crest Savings Bank

0.65%

$50,000

60 Month

Bank

0.71x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

WESTERN DIVISION

0.50%

$50,000

36 Month

Credit Union

0.66x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

Jersey Shore State Bank

0.03%

$50,000

12 Month

Bank

0.05x (National Avg. - 0.55%)

$10,000

SCENARIO

Year	Rate 0.03%	Annual Interest	Annual Interest (After Tax)
1	50,000	15	11
2	50,015	15	11
3	50,030	15	11
4	50,045	15	11
5	50,060	15	11
6	50,075	15	11
7	50,090	15	11
8	50,105	15	11
9	50,120	15	11
10	50,135	15	11
11	50,150	15	11
12	50,165	15	11
13	50,180	15	11
14	50,195	15	11
15	50,210	15	11
16	50,225	15	11
17	50,241	15	11
18	50,256	15	11
19	50,271	15	11
20	50,286	15	11
	TOTAL	$301	$211

LOCAL CD

Iron Workers Savings Bank

1.00%

$50,000

60 Month

Bank

1.09x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

The Washington Trust Company, of Westerly

0.75%

$50,000

48 Month

Bank

0.92x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

Andrew Johnson Bank

0.50%

$50,000

24 Month

Bank

0.76x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	250	175
2	50,250	251	176
3	50,501	253	177
4	50,754	254	178
5	51,008	255	179
6	51,263	256	179
7	51,519	258	180
8	51,776	259	181
9	52,035	260	182
10	52,296	261	183
11	52,557	263	184
12	52,820	264	185
13	53,084	265	186
14	53,349	267	187
15	53,616	268	188
16	53,884	269	189
17	54,154	271	190
18	54,424	272	190
19	54,696	273	191
20	54,970	275	192
	TOTAL	$5,245	$3,671

LOCAL CD

TEXOMA COMMUNITY

1.16%

$50,000

48 Month

Credit Union

1.42x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	578	405
2	50,578	585	409
3	51,163	591	414
4	51,754	598	419
5	52,352	605	424
6	52,958	612	429
7	53,570	619	433
8	54,189	626	438
9	54,815	634	444
10	55,449	641	449
11	56,090	648	454
12	56,739	656	459
13	57,394	663	464
14	58,058	671	470
15	58,729	679	475
16	59,408	687	481
17	60,095	695	486
18	60,789	703	492
19	61,492	711	498
20	62,203	719	503
	TOTAL	$12,922	$9,045

LOCAL MONEY MARKET

LAS COLINAS

0.10%

$50,000

N.A.

Credit Union

0.12x (National Avg. - 0.82%)

$2,500

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL MONEY MARKET

NECHES

0.10%

$50,000

N.A.

Credit Union

0.12x (National Avg. - 0.82%)

$2,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

UNIFY FINANCIAL

3.10%

$50,000

60 Month

Credit Union

3.37x (National Avg. - 0.92%)

$1,000

SCENARIO

Year	Rate 3.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,550	1,085
2	51,550	1,598	1,119
3	53,148	1,648	1,153
4	54,796	1,699	1,189
5	56,494	1,751	1,226
6	58,246	1,806	1,264
7	60,051	1,862	1,303
8	61,913	1,919	1,344
9	63,832	1,979	1,385
10	65,811	2,040	1,428
11	67,851	2,103	1,472
12	69,954	2,169	1,518
13	72,123	2,236	1,565
14	74,359	2,305	1,614
15	76,664	2,377	1,664
16	79,041	2,450	1,715
17	81,491	2,526	1,768
18	84,017	2,605	1,823
19	86,622	2,685	1,880
20	89,307	2,769	1,938
	TOTAL	$42,075	$29,453

LOCAL SAVINGS

BAYCEL

0.25%

$50,000

N.A.

Credit Union

1.12x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

CONE

1.00%

$50,000

12 Month

Credit Union

1.82x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	502	351
2	50,502	507	355
3	51,009	512	358
4	51,521	517	362
5	52,038	522	366
6	52,561	528	369
7	53,089	533	373
8	53,622	538	377
9	54,160	544	381
10	54,704	549	384
11	55,253	555	388
12	55,808	560	392
13	56,368	566	396
14	56,934	572	400
15	57,506	577	404
16	58,083	583	408
17	58,666	589	412
18	59,255	595	416
19	59,850	601	421
20	60,451	607	425
	TOTAL	$11,058	$7,740

LOCAL CD

The First National Bank of Peterstown

0.15%

$50,000

6 Month

Bank

0.37x (National Avg. - 0.41%)

$100,000

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

LOCAL CD

DIRECT

3.06%

$50,000

15 Month

Credit Union

N.A.

$100,000

SCENARIO

Year	Rate 3.06%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,530	1,071
2	51,530	1,577	1,104
3	53,107	1,625	1,138
4	54,732	1,675	1,172
5	56,407	1,726	1,208
6	58,133	1,779	1,245
7	59,912	1,833	1,283
8	61,745	1,889	1,323
9	63,634	1,947	1,363
10	65,581	2,007	1,405
11	67,588	2,068	1,448
12	69,656	2,131	1,492
13	71,788	2,197	1,538
14	73,985	2,264	1,585
15	76,249	2,333	1,633
16	78,582	2,405	1,683
17	80,986	2,478	1,735
18	83,465	2,554	1,788
19	86,019	2,632	1,843
20	88,651	2,713	1,899
	TOTAL	$41,364	$28,954

ONLINE CD

Peak Bank, a division of Idaho First Bank

4.16%

$50,000

11 Month

Online Bank

N.A.

$1,000

SCENARIO

Year	Rate 4.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,080	1,456
2	52,080	2,167	1,517
3	54,247	2,257	1,580
4	56,503	2,351	1,645
5	58,854	2,448	1,714
6	61,302	2,550	1,785
7	63,852	2,656	1,859
8	66,508	2,767	1,937
9	69,275	2,882	2,017
10	72,157	3,002	2,101
11	75,159	3,127	2,189
12	78,285	3,257	2,280
13	81,542	3,392	2,375
14	84,934	3,533	2,473
15	88,467	3,680	2,576
16	92,148	3,833	2,683
17	95,981	3,993	2,795
18	99,974	4,159	2,911
19	104,133	4,332	3,032
20	108,465	4,512	3,158
	TOTAL	$62,977	$44,084

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
My e-Banc, a division of Bradesco BAC Florida Bank	4.50%	$50,000	Learn More
Last change: ↓0.05% on April 30. 6 Month Jumbo CD.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Goldman Sachs Bank	4.50%	$500	Learn More
Last change: ↓0.50% on February 25.

Compare Savings vs. CDs Comparison of Deposit Account from The Gifford State Bank with 0.95% - May 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from The Gifford State Bank with 0.95% - May 2025