Compare Savings vs. CDs
Comparison of Deposit Account from Vinings Bank with 0.15% - May 2025


Long-Term Analysis of Vinings Bank with 0.15% APY and The Commercial Bank Of Ozark with 0.98% 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
    0.15%
    -
    $50,000
    6 Month
    Bank
    0.37x (National Avg. - 0.41%)
    $100,000
     
    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
  • 2
    LOCAL CD
    0.98%
    -
    $50,000
    60 Month
    Bank
    1.07x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.98%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 490 343
    2 50,490 495 346
    3 50,985 500 350
    4 51,484 505 353
    5 51,989 509 357
    6 52,498 514 360
    7 53,013 520 364
    8 53,533 525 367
    9 54,057 530 371
    10 54,587 535 374
    11 55,122 540 378
    12 55,662 545 382
    13 56,208 551 386
    14 56,758 556 389
    15 57,315 562 393
    16 57,876 567 397
    17 58,443 573 401
    18 59,016 578 405
    19 59,595 584 409
    20 60,179 590 413
    TOTAL $10,768 $7,538

    All calculations are for demonstration purposes only.

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