Compare Savings vs. CDs
Comparison of Deposit Account from Titonka Savings Bank with 0.10% - December 2025


Long-Term Analysis of Titonka Savings Bank with 0.30% APY and Titonka Savings Bank with 0.10% APY and Titonka Savings Bank with 0.16% APY and Titonka Savings Bank with 0.18% APY and Titonka Savings Bank with 0.19% APY and Titonka Savings Bank with 0.23% APY and Titonka Savings Bank with 0.54% APY and Titonka Savings Bank with 0.68% 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
    0.30%
    -
    $50,000
    6 Month
    Bank
    0.74x (National Avg. - 0.40%)
    $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
  • 2
    LOCAL MONEY MARKET
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.25x (National Avg. - 0.40%)
    $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
  • 3
    LOCAL CD
    0.16%
    -
    $50,000
    12 Month
    Bank
    0.29x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.16%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 80 56
    2 50,080 80 56
    3 50,160 80 56
    4 50,240 80 56
    5 50,321 81 56
    6 50,401 81 56
    7 50,482 81 57
    8 50,563 81 57
    9 50,644 81 57
    10 50,725 81 57
    11 50,806 81 57
    12 50,887 81 57
    13 50,968 82 57
    14 51,050 82 57
    15 51,132 82 57
    16 51,214 82 57
    17 51,295 82 57
    18 51,378 82 58
    19 51,460 82 58
    20 51,542 82 58
    TOTAL $1,625 $1,137
  • 4
    LOCAL CD
    0.18%
    -
    $50,000
    18 Month
    Bank
    0.31x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.18%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 90 63
    2 50,090 90 63
    3 50,180 90 63
    4 50,270 90 63
    5 50,361 91 63
    6 50,452 91 64
    7 50,542 91 64
    8 50,633 91 64
    9 50,725 91 64
    10 50,816 91 64
    11 50,907 92 64
    12 50,999 92 64
    13 51,091 92 64
    14 51,183 92 64
    15 51,275 92 65
    16 51,367 92 65
    17 51,460 93 65
    18 51,552 93 65
    19 51,645 93 65
    20 51,738 93 65
    TOTAL $1,831 $1,282
  • 5
    LOCAL CD
    0.19%
    -
    $50,000
    24 Month
    Bank
    0.29x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.19%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 95 67
    2 50,095 95 67
    3 50,190 95 67
    4 50,286 96 67
    5 50,381 96 67
    6 50,477 96 67
    7 50,573 96 67
    8 50,669 96 67
    9 50,765 96 68
    10 50,862 97 68
    11 50,958 97 68
    12 51,055 97 68
    13 51,152 97 68
    14 51,249 97 68
    15 51,347 98 68
    16 51,444 98 68
    17 51,542 98 69
    18 51,640 98 69
    19 51,738 98 69
    20 51,836 98 69
    TOTAL $1,935 $1,354
  • 6
    LOCAL CD
    0.23%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.23%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 115 81
    2 50,115 115 81
    3 50,230 116 81
    4 50,346 116 81
    5 50,462 116 81
    6 50,578 116 81
    7 50,694 117 82
    8 50,811 117 82
    9 50,927 117 82
    10 51,045 117 82
    11 51,162 118 82
    12 51,280 118 83
    13 51,398 118 83
    14 51,516 118 83
    15 51,634 119 83
    16 51,753 119 83
    17 51,872 119 84
    18 51,991 120 84
    19 52,111 120 84
    20 52,231 120 84
    TOTAL $2,351 $1,646
  • 7
    LOCAL CD
    0.54%
    -
    $50,000
    48 Month
    Bank
    0.66x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.54%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 271 189
    2 50,271 272 190
    3 50,542 273 191
    4 50,816 275 192
    5 51,091 276 193
    6 51,367 278 195
    7 51,645 279 196
    8 51,925 281 197
    9 52,205 282 198
    10 52,488 284 199
    11 52,772 285 200
    12 53,057 287 201
    13 53,344 289 202
    14 53,633 290 203
    15 53,923 292 204
    16 54,215 293 205
    17 54,508 295 206
    18 54,803 296 208
    19 55,099 298 209
    20 55,398 300 210
    TOTAL $5,697 $3,988
  • 8
    LOCAL CD
    0.68%
    -
    $50,000
    60 Month
    Bank
    0.74x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.68%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 341 238
    2 50,341 343 240
    3 50,683 345 242
    4 51,028 348 243
    5 51,376 350 245
    6 51,726 352 247
    7 52,078 355 248
    8 52,433 357 250
    9 52,790 359 252
    10 53,149 362 253
    11 53,511 364 255
    12 53,876 367 257
    13 54,243 369 259
    14 54,612 372 260
    15 54,984 374 262
    16 55,358 377 264
    17 55,735 380 266
    18 56,115 382 267
    19 56,497 385 269
    20 56,882 387 271
    TOTAL $7,269 $5,088

    All calculations are for demonstration purposes only.

    Featured CD Rates

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