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Comparison of Deposit Account from The Harvard State Bank with 0.50% - May 2025


Long-Term Analysis of Luana Savings Bank with 3.94% APY and Bank of the West with 0.03% APY and The Harvard State Bank with 0.50% APY and First State Bank & Trust with 0.30% APY and Century Savings Bank with 0.10% APY and Guaranty Bank and Trust Company with 0.38% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    Luana Savings Bank
    3.94%
    -
    $50,000
    12 Month
    Bank
    7.15x (National Avg. - 0.55%)
    $2,000
     
    SCENARIO
    Year Rate
    3.94%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,970 1,379
    2 51,970 2,048 1,433
    3 54,018 2,128 1,490
    4 56,146 2,212 1,549
    5 58,358 2,299 1,610
    6 60,657 2,390 1,673
    7 63,047 2,484 1,739
    8 65,531 2,582 1,807
    9 68,113 2,684 1,879
    10 70,797 2,789 1,953
    11 73,586 2,899 2,030
    12 76,486 3,014 2,109
    13 79,499 3,132 2,193
    14 82,631 3,256 2,279
    15 85,887 3,384 2,369
    16 89,271 3,517 2,462
    17 92,788 3,656 2,559
    18 96,444 3,800 2,660
    19 100,244 3,950 2,765
    20 104,194 4,105 2,874
    TOTAL $58,299 $40,809
  • 2
    LOCAL MONEY MARKET
    Bank of the West
    0.03%
    -
    $50,000
    N.A.
    Bank
    0.05x (National Avg. - 0.55%)
    $2,500
     
    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
  • 3
    LOCAL CD
    The Harvard State Bank
    0.50%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $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
  • 4
    LOCAL CD
    First State Bank & Trust
    0.30%
    -
    $50,000
    24 Month
    Bank
    0.46x (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
  • 5
    LOCAL MONEY MARKET
    Century Savings Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.15x (National Avg. - 0.66%)
    $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
  • 6
    LOCAL CD
    Guaranty Bank and Trust Company
    0.38%
    -
    $50,000
    18 Month
    Bank
    0.65x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.38%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 188 131
    2 50,188 188 132
    3 50,376 189 132
    4 50,565 190 133
    5 50,754 190 133
    6 50,945 191 134
    7 51,136 192 134
    8 51,327 192 135
    9 51,520 193 135
    10 51,713 194 136
    11 51,907 195 136
    12 52,102 195 137
    13 52,297 196 137
    14 52,493 197 138
    15 52,690 198 138
    16 52,888 198 139
    17 53,086 199 139
    18 53,285 200 140
    19 53,485 201 140
    20 53,685 201 141
    TOTAL $3,887 $2,721

    All calculations are for demonstration purposes only.

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