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Comparison of Deposit Account from TOGETHER with 0.75% - December 2025

Long-Term Analysis of ServisFirst Bank with 0.71% APY and First Federal Savings Bank of Lincolnton with 0.60% APY and TOGETHER with 0.75% APY and MEMBERS 1ST with 1.60% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

ServisFirst Bank

0.71%

$50,000

18 Month

Bank

1.23x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.71%	Annual Interest	Annual Interest (After Tax)
1	50,000	355	249
2	50,355	358	250
3	50,713	360	252
4	51,073	363	254
5	51,435	365	256
6	51,800	368	257
7	52,168	370	259
8	52,539	373	261
9	52,912	376	263
10	53,287	378	265
11	53,666	381	267
12	54,047	384	269
13	54,430	386	271
14	54,817	389	272
15	55,206	392	274
16	55,598	395	276
17	55,993	398	278
18	56,390	400	280
19	56,791	403	282
20	57,194	406	284
	TOTAL	$7,600	$5,320

LOCAL CD

First Federal Savings Bank of Lincolnton

0.60%

$50,000

30 Month

Bank

N.A.

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

TOGETHER

0.75%

$50,000

12 Month

Credit Union

1.37x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

MEMBERS 1ST

1.60%

$50,000

48 Month

Credit Union

1.95x (National Avg. - 0.82%)

$75,000

SCENARIO

Year	Rate 1.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	800	560
2	50,800	813	569
3	51,613	826	578
4	52,439	839	587
5	53,278	852	597
6	54,130	866	606
7	54,996	880	616
8	55,876	894	626
9	56,770	908	636
10	57,678	923	646
11	58,601	938	656
12	59,539	953	667
13	60,492	968	678
14	61,459	983	688
15	62,443	999	699
16	63,442	1,015	711
17	64,457	1,031	722
18	65,488	1,048	733
19	66,536	1,065	745
20	67,601	1,082	757
	TOTAL	$18,682	$13,078

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Finworth, a division of InsBank	4.20%	$50,000	Learn More
Last change: ↑0.20% on December 7. Early Withdrawal Penalty is 6 months interest.
Limelight Bank, A division of Capital Community Bank	4.20%	$1,000	Learn More
Last change: ↑0.05% on December 1.
Limelight Bank, A division of Capital Community Bank	4.15%	$1,000	Learn More
Last change: ↑0.10% on December 1. Early Withdrawal Penalty is 90 days interest.
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.

Compare Savings vs. CDs Comparison of Deposit Account from TOGETHER with 0.75% - December 2025

Long-Term Analysis of ServisFirst Bank with 0.71% APY and First Federal Savings Bank of Lincolnton with 0.60% APY and TOGETHER with 0.75% APY and MEMBERS 1ST with 1.60% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from TOGETHER with 0.75% - December 2025