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Comparison of Deposit Account from TOWN AND COUNTRY with 2.90% - November 2025


Long-Term Analysis of TOWN AND COUNTRY with 2.90% APY and TOWN AND COUNTRY with 3.15% APY and TOWN AND COUNTRY with 1.80% APY and Farmers Bank of Northern Missouri with 0.90% APY and TOWN AND COUNTRY with 4.81% 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
    TOWN AND COUNTRY
    2.90%
    -
    $50,000
    24 Month
    Credit Union
    4.40x (National Avg. - 0.66%)
    $1,000
     
    SCENARIO
    Year Rate
    2.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,450 1,015
    2 51,450 1,492 1,044
    3 52,942 1,535 1,075
    4 54,477 1,580 1,106
    5 56,057 1,626 1,138
    6 57,683 1,673 1,171
    7 59,356 1,721 1,205
    8 61,077 1,771 1,240
    9 62,848 1,823 1,276
    10 64,671 1,875 1,313
    11 66,546 1,930 1,351
    12 68,476 1,986 1,390
    13 70,462 2,043 1,430
    14 72,505 2,103 1,472
    15 74,608 2,164 1,515
    16 76,772 2,226 1,558
    17 78,998 2,291 1,604
    18 81,289 2,357 1,650
    19 83,646 2,426 1,698
    20 86,072 2,496 1,747
    TOTAL $38,568 $26,998
  • 2
    LOCAL CD
    TOWN AND COUNTRY
    3.15%
    -
    $50,000
    48 Month
    Credit Union
    3.86x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    3.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,575 1,103
    2 51,575 1,625 1,137
    3 53,200 1,676 1,173
    4 54,875 1,729 1,210
    5 56,604 1,783 1,248
    6 58,387 1,839 1,287
    7 60,226 1,897 1,328
    8 62,123 1,957 1,370
    9 64,080 2,019 1,413
    10 66,099 2,082 1,457
    11 68,181 2,148 1,503
    12 70,329 2,215 1,551
    13 72,544 2,285 1,600
    14 74,829 2,357 1,650
    15 77,186 2,431 1,702
    16 79,617 2,508 1,756
    17 82,125 2,587 1,811
    18 84,712 2,668 1,868
    19 87,381 2,752 1,927
    20 90,133 2,839 1,987
    TOTAL $42,973 $30,081
  • 3
    LOCAL CD
    TOWN AND COUNTRY
    1.80%
    -
    $50,000
    6 Month
    Credit Union
    4.43x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    1.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 900 630
    2 50,900 916 641
    3 51,816 933 653
    4 52,749 949 665
    5 53,698 967 677
    6 54,665 984 689
    7 55,649 1,002 701
    8 56,651 1,020 714
    9 57,670 1,038 727
    10 58,708 1,057 740
    11 59,765 1,076 753
    12 60,841 1,095 767
    13 61,936 1,115 780
    14 63,051 1,135 794
    15 64,186 1,155 809
    16 65,341 1,176 823
    17 66,517 1,197 838
    18 67,715 1,219 853
    19 68,933 1,241 869
    20 70,174 1,263 884
    TOTAL $21,437 $15,006
  • 4
    LOCAL CD
    Farmers Bank of Northern Missouri
    0.90%
    -
    $50,000
    24 Month
    Bank
    1.37x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 450 315
    2 50,450 454 318
    3 50,904 458 321
    4 51,362 462 324
    5 51,824 466 326
    6 52,291 471 329
    7 52,761 475 332
    8 53,236 479 335
    9 53,715 483 338
    10 54,199 488 341
    11 54,687 492 345
    12 55,179 497 348
    13 55,675 501 351
    14 56,177 506 354
    15 56,682 510 357
    16 57,192 515 360
    17 57,707 519 364
    18 58,226 524 367
    19 58,750 529 370
    20 59,279 534 373
    TOTAL $9,813 $6,869
  • 5
    LOCAL CD
    TOWN AND COUNTRY
    4.81%
    -
    $50,000
    9 Month
    Credit Union
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    4.81%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,405 1,684
    2 52,405 2,521 1,764
    3 54,926 2,642 1,849
    4 57,568 2,769 1,938
    5 60,337 2,902 2,032
    6 63,239 3,042 2,129
    7 66,281 3,188 2,232
    8 69,469 3,341 2,339
    9 72,810 3,502 2,452
    10 76,312 3,671 2,569
    11 79,983 3,847 2,693
    12 83,830 4,032 2,823
    13 87,862 4,226 2,958
    14 92,088 4,429 3,101
    15 96,518 4,643 3,250
    16 101,160 4,866 3,406
    17 106,026 5,100 3,570
    18 111,126 5,345 3,742
    19 116,471 5,602 3,922
    20 122,074 5,872 4,110
    TOTAL $77,945 $54,562

    All calculations are for demonstration purposes only.

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