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Comparison of Deposit Account from The Harvard State Bank with 1.00% - September 2026


Long-Term Analysis of The Harvard State Bank with 1.00% APY and Midland Community Bank with 0.25% APY and Grundy Bank with 0.02% APY and Citizens Community Bank with 0.25% APY and Morton Community Bank with 3.67% 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
    The Harvard State Bank
    1.00%
    -
    $50,000
    60 Month
    Bank
    1.08x (National Avg. - 0.93%)
    $100,000
     
    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
  • 2
    LOCAL MONEY MARKET
    Midland Community Bank
    0.25%
    -
    $50,000
    N.A.
    Bank
    0.27x (National Avg. - 0.93%)
    $10,000
     
    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
  • 3
    LOCAL MONEY MARKET
    Grundy Bank
    0.02%
    -
    $50,000
    N.A.
    Bank
    0.02x (National Avg. - 0.93%)
    $2,500
     
    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
  • 4
    LOCAL CD
    Citizens Community Bank
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.62x (National Avg. - 0.40%)
    $10,000
     
    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
  • 5
    LOCAL CD
    Morton Community Bank
    3.67%
    -
    $50,000
    14 Month
    Bank
    N.A.
    $100,000
     
    SCENARIO
    Year Rate
    3.67%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,835 1,285
    2 51,835 1,902 1,332
    3 53,737 1,972 1,381
    4 55,710 2,045 1,431
    5 57,754 2,120 1,484
    6 59,874 2,197 1,538
    7 62,071 2,278 1,595
    8 64,349 2,362 1,653
    9 66,711 2,448 1,714
    10 69,159 2,538 1,777
    11 71,697 2,631 1,842
    12 74,328 2,728 1,909
    13 77,056 2,828 1,980
    14 79,884 2,932 2,052
    15 82,816 3,039 2,128
    16 85,855 3,151 2,206
    17 89,006 3,267 2,287
    18 92,273 3,386 2,370
    19 95,659 3,511 2,457
    20 99,170 3,640 2,548
    TOTAL $52,809 $36,966

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

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    Early Withdrawal Penalty is 365 days interest.

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    Early Withdrawal Penalty is 730 days interest.

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    Early Withdrawal Penalty is 90 days interest.

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