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Comparison of Deposit Account from United Community Bank of West Kentucky, Inc. with 0.15% - December 2025


Long-Term Analysis of Prospect Bank with 0.60% APY and United Community Bank of West Kentucky, Inc. with 0.15% APY and One American Bank with 1.96% 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.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    Prospect Bank
    0.60%
    -
    $50,000
    48 Month
    Bank
    0.73x (National Avg. - 0.82%)
    $100,000
     
    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
  • 2
    LOCAL MONEY MARKET
    United Community Bank of West Kentucky, Inc.
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.18x (National Avg. - 0.82%)
    $25,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 3
    LOCAL CD
    One American Bank
    1.96%
    -
    $50,000
    24 Month
    Bank
    2.97x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    1.96%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 980 686
    2 50,980 999 699
    3 51,979 1,019 713
    4 52,998 1,039 727
    5 54,037 1,059 741
    6 55,096 1,080 756
    7 56,176 1,101 771
    8 57,277 1,123 786
    9 58,399 1,145 801
    10 59,544 1,167 817
    11 60,711 1,190 833
    12 61,901 1,213 849
    13 63,114 1,237 866
    14 64,351 1,261 883
    15 65,613 1,286 900
    16 66,899 1,311 918
    17 68,210 1,337 936
    18 69,547 1,363 954
    19 70,910 1,390 973
    20 72,300 1,417 992
    TOTAL $23,717 $16,602

    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: ↑0.05% on December 1.

    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.15% on November 26.

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