Compare Savings vs. CDs
Comparison of Deposit Account from The Maries County Bank with 0.95% - November 2025


Long-Term Analysis of Titonka Savings Bank with 0.04% APY and Legacy Bank & Trust Company with 0.45% APY and The Maries County Bank with 0.95% APY and First Community National Bank with 0.61% APY and HomePride Bank with 1.00% APY and Guaranty Bank and Trust Company with 0.53% 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 MONEY MARKET
    0.04%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    0.04%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 20 14
    2 50,020 20 14
    3 50,040 20 14
    4 50,060 20 14
    5 50,080 20 14
    6 50,100 20 14
    7 50,120 20 14
    8 50,140 20 14
    9 50,160 20 14
    10 50,180 20 14
    11 50,200 20 14
    12 50,220 20 14
    13 50,241 20 14
    14 50,261 20 14
    15 50,281 20 14
    16 50,301 20 14
    17 50,321 20 14
    18 50,341 20 14
    19 50,361 20 14
    20 50,381 20 14
    TOTAL $402 $281
  • 2
    LOCAL CD
    0.45%
    -
    $50,000
    48 Month
    Bank
    0.55x (National Avg. - 0.82%)
    $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
  • 3
    LOCAL CD
    0.95%
    -
    $50,000
    48 Month
    Bank
    1.16x (National Avg. - 0.82%)
    $10,000
     
    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
  • 4
    LOCAL CD
    0.61%
    -
    $50,000
    48 Month
    Bank
    0.75x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.61%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 305 214
    2 50,305 307 215
    3 50,612 309 216
    4 50,921 311 217
    5 51,231 313 219
    6 51,544 314 220
    7 51,858 316 221
    8 52,174 318 223
    9 52,493 320 224
    10 52,813 322 226
    11 53,135 324 227
    12 53,459 326 228
    13 53,785 328 230
    14 54,113 330 231
    15 54,444 332 232
    16 54,776 334 234
    17 55,110 336 235
    18 55,446 338 237
    19 55,784 340 238
    20 56,124 342 240
    TOTAL $6,467 $4,527
  • 5
    LOCAL CD
    1.00%
    -
    $50,000
    48 Month
    Bank
    1.23x (National Avg. - 0.82%)
    $500
     
    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
  • 6
    LOCAL CD
    0.53%
    -
    $50,000
    48 Month
    Bank
    0.64x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.53%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 263 184
    2 50,263 264 185
    3 50,526 265 186
    4 50,792 267 187
    5 51,058 268 188
    6 51,326 269 189
    7 51,596 271 190
    8 51,867 272 191
    9 52,139 274 192
    10 52,413 275 193
    11 52,688 277 194
    12 52,965 278 195
    13 53,243 280 196
    14 53,522 281 197
    15 53,803 282 198
    16 54,086 284 199
    17 54,369 285 200
    18 54,655 287 201
    19 54,942 288 202
    20 55,230 290 203
    TOTAL $5,520 $3,864

    All calculations are for demonstration purposes only.

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