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Comparison of Deposit Account from Tioga-Franklin Savings Bank with 1.31% - December 2025


Long-Term Analysis of Today's Bank with 0.65% APY and Tioga-Franklin Savings Bank with 1.31% 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
    Today's Bank
    0.65%
    -
    $50,000
    36 Month
    Bank
    0.86x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 324 227
    2 50,324 326 228
    3 50,650 328 230
    4 50,978 330 231
    5 51,309 332 233
    6 51,641 335 234
    7 51,976 337 236
    8 52,313 339 237
    9 52,652 341 239
    10 52,993 343 240
    11 53,336 346 242
    12 53,682 348 244
    13 54,030 350 245
    14 54,380 352 247
    15 54,732 355 248
    16 55,087 357 250
    17 55,444 359 251
    18 55,803 362 253
    19 56,165 364 255
    20 56,529 366 256
    TOTAL $6,895 $4,826
  • 2
    LOCAL CD
    Tioga-Franklin Savings Bank
    1.31%
    -
    $50,000
    60 Month
    Bank
    1.42x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↓0.15% on November 26.

    Last change: ↓0.10% on September 17.

    Last change: ↓0.05% on December 8.

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