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Comparison of Deposit Account from Utah Independent Bank with 3.53% - December 2025


Long-Term Analysis of Richton Bank & Trust Company with 0.50% APY and Utah Independent Bank with 3.53% 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
    Richton Bank & Trust Company
    0.50%
    -
    $50,000
    24 Month
    Bank
    0.76x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 2
    LOCAL CD
    Utah Independent Bank
    3.53%
    -
    $50,000
    6 Month
    Bank
    8.72x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    3.53%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,765 1,236
    2 51,765 1,827 1,279
    3 53,592 1,892 1,324
    4 55,484 1,959 1,371
    5 57,443 2,028 1,419
    6 59,470 2,099 1,470
    7 61,570 2,173 1,521
    8 63,743 2,250 1,575
    9 65,993 2,330 1,631
    10 68,323 2,412 1,688
    11 70,735 2,497 1,748
    12 73,232 2,585 1,810
    13 75,817 2,676 1,873
    14 78,493 2,771 1,940
    15 81,264 2,869 2,008
    16 84,132 2,970 2,079
    17 87,102 3,075 2,152
    18 90,177 3,183 2,228
    19 93,360 3,296 2,307
    20 96,656 3,412 2,388
    TOTAL $50,068 $35,047

    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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