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Comparison of Deposit Account from VIST Bank with 0.03% - May 2024

Long-Term Analysis of State Bank of New Richland with 0.10% APY and Texas Republic Bank, National Association with 0.20% APY and Fortress Bank with 0.35% APY and The Bank and Trust, S.S.B. with 0.15% APY and OLEAN AREA with 0.85% APY and American Community Bank & Trust with 0.85% APY and Lakeland Bank with 0.22% APY and Bank of Brewton with 0.05% APY and HERITAGE SOUTH with 1.06% APY and First Fidelity Bank with 0.30% APY and TRUSERVICE COMMUNITY with 0.15% APY and The Union Bank of Mena with 0.60% APY and BBVA USA with 0.25% APY and YOLO with 0.75% APY and YOLO with 0.15% APY and Heritage Bank of Commerce with 0.20% APY and PACIFIC SERVICE with 0.40% APY and PACIFIC SERVICE with 1.20% APY and Farmers Bank with 0.15% APY and PAHO/WHO with 0.50% APY and ServisFirst Bank with 0.71% APY and MUTUAL SAVINGS with 0.90% APY and Shinhan Bank America with 0.25% APY and ON THE GRID FINANCIAL with 1.10% APY and Bank of the Orient with 0.15% APY and New Albin Savings Bank with 0.60% APY and First Citizens Bank with 0.75% APY and The State Bank of Toledo with 0.05% APY and Union Savings Bank with 0.70% APY and De Witt Savings Bank with 0.05% APY and VIBRANT with 0.30% APY and Community Bank of Elmhurst with 0.20% APY and CENTRAL CREDIT UNION OF ILLINOIS with 0.40% APY and Ford County State Bank with 1.05% APY and Kentucky Bank with 0.07% APY and Fifth District Savings Bank with 0.15% APY and Main Street Bank with 0.05% APY and MASS BAY with 3.00% APY and NESC with 1.26% APY and LUSO with 0.40% APY and FIRST PEOPLES COMMUNITY with 1.55% APY and John Marshall Bank with 0.80% APY and GEICO with 0.95% APY and The Queenstown Bank of Maryland with 0.60% APY and PUBLIC SERVICE with 0.46% APY and Pine River State Bank with 1.00% APY and Dacotah Bank with 0.40% APY and First National Bank Minnesota with 0.25% APY and First State Bank and Trust with 0.30% APY and First Farmers & Merchants National Bank with 0.10% APY and CATHOLIC UNITED FINANCIAL with 1.26% APY and Farmers State Bank with 0.30% APY and The Bank of Orrick with 1.20% APY and MISSOURI CENTRAL with 0.40% APY and EMBARK with 0.30% APY and Summit National Bank with 0.65% APY and The Union Bank with 1.45% APY and Nebraska State Bank with 1.00% APY and KELLOGG MIDWEST with 0.75% APY and The First National Bank of Elmer with 0.15% APY and Enterprise Bank & Trust with 0.25% APY and Fulton Savings Bank with 0.40% APY and TEACHERS with 0.85% APY and ADVANTAGE FINANCIAL with 0.65% APY and The Home Savings and Loan Company of Kenton, Ohio with 0.20% APY and TOGETHER with 0.80% APY and First Merchants Bank with 0.25% APY and The First National Bank of Germantown with 0.25% APY and DAY-MET with 0.50% APY and TINKER with 3.75% APY and Citizens Bank with 0.06% APY and UNITED TRADES with 0.85% APY and First Commonwealth Bank with 0.40% APY and NEW CUMBERLAND with 0.25% APY and VIST Bank with 0.03% APY and BankNewport with 0.60% APY and Liberty National Bank with 0.80% APY and Citizens Bank with 0.05% APY and Cendera Bank, National Association with 0.35% APY and COMMONWEALTH BUSINESS BANK with 0.40% APY and First National Bank of Bosque County with 1.53% APY and SOUTHWEST RESEARCH CENTER with 0.20% APY and Peoples State Bank of Hallettsville with 0.10% APY and Burke & Herbert Bank & Trust Company with 0.40% APY and Farmers and Miners Bank with 0.35% APY and Summit Community Bank, Inc with 0.21% APY and CO-OP with 1.25% APY and ONE COMMUNITY with 0.75% APY and NORTHROP GRUMMAN with 4.51% APY and Fifth Third Bank, National Association with 5.20% APY and Northfield Bank with 3.00% APY and VYSTAR with 3.00% APY and Heritage Bank with 4.60% APY and Washington Trust Bank with 4.60% 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.

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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL MONEY MARKET

State Bank of New Richland

0.10%

$50,000

N.A.

Bank

N.A.

$2,500

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

Texas Republic Bank, National Association

0.20%

$50,000

6 Month

Bank

0.29x (National Avg. - 0.69%)

$1,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

Fortress Bank

0.35%

$50,000

12 Month

Bank

0.42x (National Avg. - 0.84%)

$1,000

SCENARIO

Year	Rate 0.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	175	123
2	50,175	176	123
3	50,351	176	123
4	50,527	177	124
5	50,704	177	124
6	50,881	178	125
7	51,059	179	125
8	51,238	179	126
9	51,417	180	126
10	51,597	181	126
11	51,778	181	127
12	51,959	182	127
13	52,141	182	128
14	52,323	183	128
15	52,507	184	129
16	52,690	184	129
17	52,875	185	130
18	53,060	186	130
19	53,245	186	130
20	53,432	187	131
	TOTAL	$3,619	$2,533

N.A.

The Bank and Trust, S.S.B.

0.15%

$50,000

N.A.

Bank

0.18x (National Avg. - 0.84%)

$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

LOCAL CD

OLEAN AREA

0.85%

$50,000

60 Month

Credit Union

0.93x (National Avg. - 0.91%)

$500

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

American Community Bank & Trust

0.85%

$50,000

48 Month

Bank

0.89x (National Avg. - 0.95%)

$100,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

Lakeland Bank

0.22%

$50,000

24 Month

Bank

0.23x (National Avg. - 0.95%)

$100,000

SCENARIO

Year	Rate 0.22%	Annual Interest	Annual Interest (After Tax)
1	50,000	110	77
2	50,110	110	77
3	50,220	110	77
4	50,331	111	78
5	50,441	111	78
6	50,552	111	78
7	50,664	111	78
8	50,775	112	78
9	50,887	112	78
10	50,999	112	79
11	51,111	112	79
12	51,223	113	79
13	51,336	113	79
14	51,449	113	79
15	51,562	113	79
16	51,676	114	80
17	51,789	114	80
18	51,903	114	80
19	52,017	114	80
20	52,132	115	80
	TOTAL	$2,247	$1,573

LOCAL MONEY MARKET

Bank of Brewton

0.05%

$50,000

N.A.

Bank

0.05x (National Avg. - 0.95%)

$25,000

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	25	18
2	50,025	25	18
3	50,050	25	18
4	50,075	25	18
5	50,100	25	18
6	50,125	25	18
7	50,150	25	18
8	50,175	25	18
9	50,200	25	18
10	50,225	25	18
11	50,251	25	18
12	50,276	25	18
13	50,301	25	18
14	50,326	25	18
15	50,351	25	18
16	50,376	25	18
17	50,402	25	18
18	50,427	25	18
19	50,452	25	18
20	50,477	25	18
	TOTAL	$502	$352

LOCAL CD

HERITAGE SOUTH

1.06%

$50,000

48 Month

Credit Union

1.11x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 1.06%	Annual Interest	Annual Interest (After Tax)
1	50,000	530	371
2	50,530	536	375
3	51,066	541	379
4	51,607	547	383
5	52,154	553	387
6	52,707	559	391
7	53,265	565	395
8	53,830	571	399
9	54,401	577	404
10	54,977	583	408
11	55,560	589	412
12	56,149	595	417
13	56,744	601	421
14	57,346	608	426
15	57,954	614	430
16	58,568	621	435
17	59,189	627	439
18	59,816	634	444
19	60,450	641	449
20	61,091	648	453
	TOTAL	$11,738	$8,217

LOCAL CD

First Fidelity Bank

0.30%

$50,000

12 Month

Bank

0.36x (National Avg. - 0.84%)

$10,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL MONEY MARKET

TRUSERVICE COMMUNITY

0.15%

$50,000

N.A.

Credit Union

0.18x (National Avg. - 0.84%)

$2,500

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

LOCAL CD

The Union Bank of Mena

0.60%

$50,000

36 Month

Bank

0.69x (National Avg. - 0.87%)

$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

BBVA USA

0.25%

$50,000

18 Month

Bank

0.34x (National Avg. - 0.73%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

YOLO

0.75%

$50,000

48 Month

Credit Union

0.79x (National Avg. - 0.95%)

$10,000

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

YOLO

0.15%

$50,000

6 Month

Credit Union

0.22x (National Avg. - 0.69%)

$10,000

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

LOCAL CD

Heritage Bank of Commerce

0.20%

$50,000

12 Month

Bank

0.24x (National Avg. - 0.84%)

$100,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

PACIFIC SERVICE

0.40%

$50,000

24 Month

Credit Union

0.42x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

PACIFIC SERVICE

1.20%

$50,000

30 Month

Credit Union

N.A.

$10,000

SCENARIO

Year	Rate 1.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	600	420
2	50,600	607	425
3	51,207	614	430
4	51,822	622	435
5	52,444	629	441
6	53,073	637	446
7	53,710	645	451
8	54,354	652	457
9	55,007	660	462
10	55,667	668	468
11	56,335	676	473
12	57,011	684	479
13	57,695	692	485
14	58,387	701	490
15	59,088	709	496
16	59,797	718	502
17	60,514	726	508
18	61,240	735	514
19	61,975	744	521
20	62,719	753	527
	TOTAL	$13,472	$9,430

LOCAL MONEY MARKET

Farmers Bank

0.15%

$50,000

N.A.

Bank

N.A.

$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

LOCAL CD

PAHO/WHO

0.50%

$50,000

12 Month

Credit Union

0.60x (National Avg. - 0.84%)

$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

LOCAL CD

ServisFirst Bank

0.71%

$50,000

12 Month

Bank

0.85x (National Avg. - 0.84%)

$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

MUTUAL SAVINGS

0.90%

$50,000

24 Month

Credit Union

0.95x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	452	316
2	50,452	456	319
3	50,908	460	322
4	51,368	464	325
5	51,833	469	328
6	52,301	473	331
7	52,774	477	334
8	53,251	481	337
9	53,733	486	340
10	54,218	490	343
11	54,708	495	346
12	55,203	499	349
13	55,702	504	352
14	56,206	508	356
15	56,714	513	359
16	57,226	517	362
17	57,744	522	365
18	58,266	527	369
19	58,792	531	372
20	59,324	536	375
	TOTAL	$9,860	$6,902

LOCAL CD

Shinhan Bank America

0.25%

$50,000

36 Month

Bank

0.29x (National Avg. - 0.87%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

ON THE GRID FINANCIAL

1.10%

$50,000

36 Month

Credit Union

1.26x (National Avg. - 0.87%)

$10,000

SCENARIO

Year	Rate 1.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	550	385
2	50,550	556	389
3	51,106	562	394
4	51,668	568	398
5	52,237	575	402
6	52,811	581	407
7	53,392	587	411
8	53,979	594	416
9	54,573	600	420
10	55,173	607	425
11	55,780	614	430
12	56,394	620	434
13	57,014	627	439
14	57,641	634	444
15	58,276	641	449
16	58,917	648	454
17	59,565	655	459
18	60,220	662	464
19	60,882	670	469
20	61,552	677	474
	TOTAL	$12,229	$8,560

LOCAL CD

Bank of the Orient

0.15%

$50,000

6 Month

Bank

0.22x (National Avg. - 0.69%)

$10,000

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

LOCAL MONEY MARKET

New Albin Savings Bank

0.60%

$50,000

N.A.

Bank

0.87x (National Avg. - 0.69%)

$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

First Citizens Bank

0.75%

$50,000

24 Month

Bank

0.79x (National Avg. - 0.95%)

$10,000

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

The State Bank of Toledo

0.05%

$50,000

6 Month

Bank

0.07x (National Avg. - 0.69%)

$100,000

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	25	18
2	50,025	25	18
3	50,050	25	18
4	50,075	25	18
5	50,100	25	18
6	50,125	25	18
7	50,150	25	18
8	50,175	25	18
9	50,200	25	18
10	50,225	25	18
11	50,251	25	18
12	50,276	25	18
13	50,301	25	18
14	50,326	25	18
15	50,351	25	18
16	50,376	25	18
17	50,402	25	18
18	50,427	25	18
19	50,452	25	18
20	50,477	25	18
	TOTAL	$502	$352

LOCAL CD

Union Savings Bank

0.70%

$50,000

36 Month

Bank

0.80x (National Avg. - 0.87%)

$100,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL MONEY MARKET

De Witt Savings Bank

0.05%

$50,000

N.A.

Bank

0.06x (National Avg. - 0.87%)

$10,000

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	25	18
2	50,025	25	18
3	50,050	25	18
4	50,075	25	18
5	50,100	25	18
6	50,125	25	18
7	50,150	25	18
8	50,175	25	18
9	50,200	25	18
10	50,225	25	18
11	50,251	25	18
12	50,276	25	18
13	50,301	25	18
14	50,326	25	18
15	50,351	25	18
16	50,376	25	18
17	50,402	25	18
18	50,427	25	18
19	50,452	25	18
20	50,477	25	18
	TOTAL	$502	$352

LOCAL CD

VIBRANT

0.30%

$50,000

6 Month

Credit Union

0.44x (National Avg. - 0.69%)

$100,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL MONEY MARKET

Community Bank of Elmhurst

0.20%

$50,000

N.A.

Bank

0.29x (National Avg. - 0.69%)

$25,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

CENTRAL CREDIT UNION OF ILLINOIS

0.40%

$50,000

12 Month

Credit Union

0.48x (National Avg. - 0.84%)

$100,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

Ford County State Bank

1.05%

$50,000

18 Month

Bank

1.45x (National Avg. - 0.73%)

$100,000

SCENARIO

Year	Rate 1.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	525	368
2	50,525	531	371
3	51,056	536	375
4	51,592	542	379
5	52,133	547	383
6	52,681	553	387
7	53,234	559	391
8	53,793	565	395
9	54,358	571	400
10	54,928	577	404
11	55,505	583	408
12	56,088	589	412
13	56,677	595	417
14	57,272	601	421
15	57,873	608	425
16	58,481	614	430
17	59,095	620	434
18	59,716	627	439
19	60,343	634	444
20	60,976	640	448
	TOTAL	$11,616	$8,131

LOCAL MONEY MARKET

Kentucky Bank

0.07%

$50,000

N.A.

Bank

0.10x (National Avg. - 0.73%)

$10,000

SCENARIO

Year	Rate 0.07%	Annual Interest	Annual Interest (After Tax)
1	50,000	35	25
2	50,035	35	25
3	50,070	35	25
4	50,105	35	25
5	50,140	35	25
6	50,175	35	25
7	50,210	35	25
8	50,246	35	25
9	50,281	35	25
10	50,316	35	25
11	50,351	35	25
12	50,386	35	25
13	50,422	35	25
14	50,457	35	25
15	50,492	35	25
16	50,528	35	25
17	50,563	35	25
18	50,598	35	25
19	50,634	35	25
20	50,669	35	25
	TOTAL	$705	$493

LOCAL MONEY MARKET

Fifth District Savings Bank

0.15%

$50,000

N.A.

Bank

0.21x (National Avg. - 0.73%)

$10,000

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

LOCAL MONEY MARKET

Main Street Bank

0.05%

$50,000

N.A.

Bank

0.07x (National Avg. - 0.73%)

$2,500

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	25	18
2	50,025	25	18
3	50,050	25	18
4	50,075	25	18
5	50,100	25	18
6	50,125	25	18
7	50,150	25	18
8	50,175	25	18
9	50,200	25	18
10	50,225	25	18
11	50,251	25	18
12	50,276	25	18
13	50,301	25	18
14	50,326	25	18
15	50,351	25	18
16	50,376	25	18
17	50,402	25	18
18	50,427	25	18
19	50,452	25	18
20	50,477	25	18
	TOTAL	$502	$352

LOCAL CD

MASS BAY

3.00%

$50,000

18 Month

Credit Union

4.14x (National Avg. - 0.73%)

$500

SCENARIO

Year	Rate 3.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,500	1,050
2	51,500	1,545	1,082
3	53,045	1,591	1,114
4	54,636	1,639	1,147
5	56,275	1,688	1,182
6	57,964	1,739	1,217
7	59,703	1,791	1,254
8	61,494	1,845	1,291
9	63,339	1,900	1,330
10	65,239	1,957	1,370
11	67,196	2,016	1,411
12	69,212	2,076	1,453
13	71,288	2,139	1,497
14	73,427	2,203	1,542
15	75,629	2,269	1,588
16	77,898	2,337	1,636
17	80,235	2,407	1,685
18	82,642	2,479	1,735
19	85,122	2,554	1,788
20	87,675	2,630	1,841
	TOTAL	$40,306	$28,214

LOCAL CD

NESC

1.26%

$50,000

60 Month

Credit Union

1.38x (National Avg. - 0.91%)

$100,000

SCENARIO

Year	Rate 1.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	630	441
2	50,630	638	447
3	51,268	646	452
4	51,914	654	458
5	52,568	662	464
6	53,230	671	469
7	53,901	679	475
8	54,580	688	481
9	55,268	696	487
10	55,964	705	494
11	56,669	714	500
12	57,384	723	506
13	58,107	732	512
14	58,839	741	519
15	59,580	751	525
16	60,331	760	532
17	61,091	770	539
18	61,861	779	546
19	62,640	789	552
20	63,429	799	559
	TOTAL	$14,229	$9,960

LOCAL CD

LUSO

0.40%

$50,000

18 Month

Credit Union

0.55x (National Avg. - 0.73%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

FIRST PEOPLES COMMUNITY

1.55%

$50,000

39 Month

Credit Union

N.A.

$500

SCENARIO

Year	Rate 1.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	775	543
2	50,775	787	551
3	51,562	799	559
4	52,361	812	568
5	53,173	824	577
6	53,997	837	586
7	54,834	850	595
8	55,684	863	604
9	56,547	876	614
10	57,423	890	623
11	58,314	904	633
12	59,217	918	643
13	60,135	932	652
14	61,067	947	663
15	62,014	961	673
16	62,975	976	683
17	63,951	991	694
18	64,942	1,007	705
19	65,949	1,022	716
20	66,971	1,038	727
	TOTAL	$18,009	$12,607

LOCAL CD

John Marshall Bank

0.80%

$50,000

36 Month

Bank

0.92x (National Avg. - 0.87%)

$10,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

GEICO

0.95%

$50,000

48 Month

Credit Union

1.00x (National Avg. - 0.95%)

$100,000

SCENARIO

Year	Rate 0.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	475	333
2	50,475	480	336
3	50,955	484	339
4	51,439	489	342
5	51,927	493	345
6	52,421	498	349
7	52,919	503	352
8	53,421	508	355
9	53,929	512	359
10	54,441	517	362
11	54,958	522	365
12	55,480	527	369
13	56,007	532	372
14	56,540	537	376
15	57,077	542	380
16	57,619	547	383
17	58,166	553	387
18	58,719	558	390
19	59,277	563	394
20	59,840	568	398
	TOTAL	$10,408	$7,286

LOCAL CD

The Queenstown Bank of Maryland

0.60%

$50,000

48 Month

Bank

0.63x (National Avg. - 0.95%)

$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

PUBLIC SERVICE

0.46%

$50,000

48 Month

Credit Union

0.48x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 0.46%	Annual Interest	Annual Interest (After Tax)
1	50,000	230	161
2	50,230	231	162
3	50,461	232	162
4	50,693	233	163
5	50,926	234	164
6	51,161	235	165
7	51,396	236	165
8	51,632	238	166
9	51,870	239	167
10	52,108	240	168
11	52,348	241	169
12	52,589	242	169
13	52,831	243	170
14	53,074	244	171
15	53,318	245	172
16	53,563	246	172
17	53,810	248	173
18	54,057	249	174
19	54,306	250	175
20	54,556	251	176
	TOTAL	$4,807	$3,365

LOCAL CD

Pine River State Bank

1.00%

$50,000

48 Month

Bank

1.05x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

Dacotah Bank

0.40%

$50,000

12 Month

Bank

0.48x (National Avg. - 0.84%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

First National Bank Minnesota

0.25%

$50,000

12 Month

Bank

0.30x (National Avg. - 0.84%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

First State Bank and Trust

0.30%

$50,000

18 Month

Bank

0.41x (National Avg. - 0.73%)

$10,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

First Farmers & Merchants National Bank

0.10%

$50,000

12 Month

Bank

0.12x (National Avg. - 0.84%)

$10,000

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

CATHOLIC UNITED FINANCIAL

1.26%

$50,000

36 Month

Credit Union

1.44x (National Avg. - 0.87%)

$100,000

SCENARIO

Year	Rate 1.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	630	441
2	50,630	638	447
3	51,268	646	452
4	51,914	654	458
5	52,568	662	464
6	53,230	671	469
7	53,901	679	475
8	54,580	688	481
9	55,268	696	487
10	55,964	705	494
11	56,669	714	500
12	57,384	723	506
13	58,107	732	512
14	58,839	741	519
15	59,580	751	525
16	60,331	760	532
17	61,091	770	539
18	61,861	779	546
19	62,640	789	552
20	63,429	799	559
	TOTAL	$14,229	$9,960

LOCAL CD

Farmers State Bank

0.30%

$50,000

6 Month

Bank

0.44x (National Avg. - 0.69%)

$100

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

The Bank of Orrick

1.20%

$50,000

60 Month

Bank

1.31x (National Avg. - 0.91%)

$10,000

SCENARIO

Year	Rate 1.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	600	420
2	50,600	607	425
3	51,207	614	430
4	51,822	622	435
5	52,444	629	441
6	53,073	637	446
7	53,710	645	451
8	54,354	652	457
9	55,007	660	462
10	55,667	668	468
11	56,335	676	473
12	57,011	684	479
13	57,695	692	485
14	58,387	701	490
15	59,088	709	496
16	59,797	718	502
17	60,514	726	508
18	61,240	735	514
19	61,975	744	521
20	62,719	753	527
	TOTAL	$13,472	$9,430

LOCAL CD

MISSOURI CENTRAL

0.40%

$50,000

6 Month

Credit Union

0.58x (National Avg. - 0.69%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

EMBARK

0.30%

$50,000

18 Month

Credit Union

0.41x (National Avg. - 0.73%)

$100,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

Summit National Bank

0.65%

$50,000

36 Month

Bank

0.75x (National Avg. - 0.87%)

$10,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

The Union Bank

1.45%

$50,000

36 Month

Bank

1.66x (National Avg. - 0.87%)

$10,000

SCENARIO

Year	Rate 1.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	725	508
2	50,725	736	515
3	51,461	746	522
4	52,207	757	530
5	52,964	768	538
6	53,732	779	545
7	54,511	790	553
8	55,301	802	561
9	56,103	813	569
10	56,917	825	578
11	57,742	837	586
12	58,579	849	595
13	59,428	862	603
14	60,290	874	612
15	61,164	887	621
16	62,051	900	630
17	62,951	913	639
18	63,864	926	648
19	64,790	939	658
20	65,729	953	667
	TOTAL	$16,682	$11,678

LOCAL CD

Nebraska State Bank

1.00%

$50,000

60 Month

Bank

1.10x (National Avg. - 0.91%)

$100,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

KELLOGG MIDWEST

0.75%

$50,000

18 Month

Credit Union

1.03x (National Avg. - 0.73%)

$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 MONEY MARKET

The First National Bank of Elmer

0.15%

$50,000

N.A.

Bank

0.21x (National Avg. - 0.73%)

$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

LOCAL CD

Enterprise Bank & Trust

0.25%

$50,000

6 Month

Bank

0.36x (National Avg. - 0.69%)

$10,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

Fulton Savings Bank

0.40%

$50,000

36 Month

Bank

0.46x (National Avg. - 0.87%)

$500

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL MONEY MARKET

TEACHERS

0.85%

$50,000

N.A.

Credit Union

0.97x (National Avg. - 0.87%)

$25,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

ADVANTAGE FINANCIAL

0.65%

$50,000

48 Month

Credit Union

0.68x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL MONEY MARKET

The Home Savings and Loan Company of Kenton, Ohio

0.20%

$50,000

N.A.

Bank

0.21x (National Avg. - 0.95%)

$25,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

TOGETHER

0.80%

$50,000

18 Month

Credit Union

1.10x (National Avg. - 0.73%)

$10,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL CD

First Merchants Bank

0.25%

$50,000

36 Month

Bank

0.29x (National Avg. - 0.87%)

$100,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

The First National Bank of Germantown

0.25%

$50,000

18 Month

Bank

0.34x (National Avg. - 0.73%)

$500

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL CD

DAY-MET

0.50%

$50,000

18 Month

Credit Union

0.69x (National Avg. - 0.73%)

$100,000

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

LOCAL CD

TINKER

3.75%

$50,000

48 Month

Credit Union

3.94x (National Avg. - 0.95%)

$10,000

SCENARIO

Year	Rate 3.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,875	1,313
2	51,875	1,945	1,362
3	53,820	2,018	1,413
4	55,839	2,094	1,466
5	57,933	2,172	1,521
6	60,105	2,254	1,578
7	62,359	2,338	1,637
8	64,697	2,426	1,698
9	67,124	2,517	1,762
10	69,641	2,612	1,828
11	72,252	2,709	1,897
12	74,962	2,811	1,968
13	77,773	2,916	2,042
14	80,689	3,026	2,118
15	83,715	3,139	2,198
16	86,854	3,257	2,280
17	90,111	3,379	2,365
18	93,491	3,506	2,454
19	96,996	3,637	2,546
20	100,634	3,774	2,642
	TOTAL	$54,408	$38,085

LOCAL CD

Citizens Bank

0.06%

$50,000

18 Month

Bank

0.08x (National Avg. - 0.73%)

$10,000

SCENARIO

Year	Rate 0.06%	Annual Interest	Annual Interest (After Tax)
1	50,000	30	21
2	50,030	30	21
3	50,060	30	21
4	50,090	30	21
5	50,120	30	21
6	50,150	30	21
7	50,180	30	21
8	50,210	30	21
9	50,241	30	21
10	50,271	30	21
11	50,301	30	21
12	50,331	30	21
13	50,361	30	21
14	50,391	30	21
15	50,422	30	21
16	50,452	30	21
17	50,482	30	21
18	50,512	30	21
19	50,543	30	21
20	50,573	30	21
	TOTAL	$603	$422

LOCAL CD

UNITED TRADES

0.85%

$50,000

36 Month

Credit Union

0.97x (National Avg. - 0.87%)

$10,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

First Commonwealth Bank

0.40%

$50,000

48 Month

Bank

0.42x (National Avg. - 0.95%)

$100,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL MONEY MARKET

NEW CUMBERLAND

0.25%

$50,000

N.A.

Credit Union

0.26x (National Avg. - 0.95%)

$25,000

SCENARIO

Year	Rate 0.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	125	88
2	50,125	125	88
3	50,250	126	88
4	50,376	126	88
5	50,502	126	88
6	50,628	127	89
7	50,755	127	89
8	50,882	127	89
9	51,009	128	89
10	51,136	128	89
11	51,264	128	90
12	51,392	128	90
13	51,521	129	90
14	51,650	129	90
15	51,779	129	91
16	51,908	130	91
17	52,038	130	91
18	52,168	130	91
19	52,298	131	92
20	52,429	131	92
	TOTAL	$2,560	$1,792

LOCAL MONEY MARKET

VIST Bank

0.03%

$50,000

N.A.

Bank

0.03x (National Avg. - 0.95%)

$25,000

SCENARIO

Year	Rate 0.03%	Annual Interest	Annual Interest (After Tax)
1	50,000	15	11
2	50,015	15	11
3	50,030	15	11
4	50,045	15	11
5	50,060	15	11
6	50,075	15	11
7	50,090	15	11
8	50,105	15	11
9	50,120	15	11
10	50,135	15	11
11	50,150	15	11
12	50,165	15	11
13	50,180	15	11
14	50,195	15	11
15	50,210	15	11
16	50,225	15	11
17	50,241	15	11
18	50,256	15	11
19	50,271	15	11
20	50,286	15	11
	TOTAL	$301	$211

LOCAL CD

BankNewport

0.60%

$50,000

48 Month

Bank

0.63x (National Avg. - 0.95%)

$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

LOCAL CD

Liberty National Bank

0.80%

$50,000

18 Month

Bank

1.10x (National Avg. - 0.73%)

$100,000

SCENARIO

Year	Rate 0.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	400	280
2	50,400	403	282
3	50,803	406	284
4	51,210	410	287
5	51,619	413	289
6	52,032	416	291
7	52,449	420	294
8	52,868	423	296
9	53,291	426	298
10	53,717	430	301
11	54,147	433	303
12	54,580	437	306
13	55,017	440	308
14	55,457	444	311
15	55,901	447	313
16	56,348	451	316
17	56,799	454	318
18	57,253	458	321
19	57,711	462	323
20	58,173	465	326
	TOTAL	$8,638	$6,047

LOCAL MONEY MARKET

Citizens Bank

0.05%

$50,000

N.A.

Bank

0.07x (National Avg. - 0.73%)

$2,500

SCENARIO

Year	Rate 0.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	25	18
2	50,025	25	18
3	50,050	25	18
4	50,075	25	18
5	50,100	25	18
6	50,125	25	18
7	50,150	25	18
8	50,175	25	18
9	50,200	25	18
10	50,225	25	18
11	50,251	25	18
12	50,276	25	18
13	50,301	25	18
14	50,326	25	18
15	50,351	25	18
16	50,376	25	18
17	50,402	25	18
18	50,427	25	18
19	50,452	25	18
20	50,477	25	18
	TOTAL	$502	$352

LOCAL CD

Cendera Bank, National Association

0.35%

$50,000

6 Month

Bank

0.51x (National Avg. - 0.69%)

$100,000

SCENARIO

Year	Rate 0.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	175	123
2	50,175	176	123
3	50,351	176	123
4	50,527	177	124
5	50,704	177	124
6	50,881	178	125
7	51,059	179	125
8	51,238	179	126
9	51,417	180	126
10	51,597	181	126
11	51,778	181	127
12	51,959	182	127
13	52,141	182	128
14	52,323	183	128
15	52,507	184	129
16	52,690	184	129
17	52,875	185	130
18	53,060	186	130
19	53,245	186	130
20	53,432	187	131
	TOTAL	$3,619	$2,533

LOCAL SAVINGS

COMMONWEALTH BUSINESS BANK

0.40%

$50,000

N.A.

Bank

1.84x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

First National Bank of Bosque County

1.53%

$50,000

60 Month

Bank

1.68x (National Avg. - 0.91%)

$10,000

SCENARIO

Year	Rate 1.53%	Annual Interest	Annual Interest (After Tax)
1	50,000	765	536
2	50,765	777	544
3	51,542	789	552
4	52,330	801	560
5	53,131	813	569
6	53,944	825	578
7	54,769	838	587
8	55,607	851	596
9	56,458	864	605
10	57,322	877	614
11	58,199	890	623
12	59,089	904	633
13	59,993	918	643
14	60,911	932	652
15	61,843	946	662
16	62,789	961	672
17	63,750	975	683
18	64,725	990	693
19	65,716	1,005	704
20	66,721	1,021	715
	TOTAL	$17,742	$12,419

LOCAL MONEY MARKET

SOUTHWEST RESEARCH CENTER

0.20%

$50,000

N.A.

Credit Union

0.22x (National Avg. - 0.91%)

$2,500

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL SAVINGS

Peoples State Bank of Hallettsville

0.10%

$50,000

N.A.

Bank

0.46x (National Avg. - 0.22%)

$2,500

SCENARIO

Year	Rate 0.10%	Annual Interest	Annual Interest (After Tax)
1	50,000	50	35
2	50,050	50	35
3	50,100	50	35
4	50,150	50	35
5	50,200	50	35
6	50,251	50	35
7	50,301	50	35
8	50,351	50	35
9	50,401	50	35
10	50,452	50	35
11	50,502	51	35
12	50,553	51	35
13	50,603	51	35
14	50,654	51	35
15	50,705	51	35
16	50,755	51	36
17	50,806	51	36
18	50,857	51	36
19	50,908	51	36
20	50,959	51	36
	TOTAL	$1,010	$707

LOCAL CD

Burke & Herbert Bank & Trust Company

0.40%

$50,000

12 Month

Bank

0.48x (National Avg. - 0.84%)

$10,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL CD

Farmers and Miners Bank

0.35%

$50,000

18 Month

Bank

0.48x (National Avg. - 0.73%)

$100,000

SCENARIO

Year	Rate 0.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	175	123
2	50,175	176	123
3	50,351	176	123
4	50,527	177	124
5	50,704	177	124
6	50,881	178	125
7	51,059	179	125
8	51,238	179	126
9	51,417	180	126
10	51,597	181	126
11	51,778	181	127
12	51,959	182	127
13	52,141	182	128
14	52,323	183	128
15	52,507	184	129
16	52,690	184	129
17	52,875	185	130
18	53,060	186	130
19	53,245	186	130
20	53,432	187	131
	TOTAL	$3,619	$2,533

LOCAL CD

Summit Community Bank, Inc

0.21%

$50,000

12 Month

Bank

0.25x (National Avg. - 0.84%)

$10,000

SCENARIO

Year	Rate 0.21%	Annual Interest	Annual Interest (After Tax)
1	50,000	105	74
2	50,105	105	74
3	50,210	105	74
4	50,316	106	74
5	50,421	106	74
6	50,527	106	74
7	50,633	106	74
8	50,740	107	75
9	50,846	107	75
10	50,953	107	75
11	51,060	107	75
12	51,167	107	75
13	51,275	108	75
14	51,382	108	76
15	51,490	108	76
16	51,598	108	76
17	51,707	109	76
18	51,815	109	76
19	51,924	109	76
20	52,033	109	76
	TOTAL	$2,142	$1,500

LOCAL CD

CO-OP

1.25%

$50,000

60 Month

Credit Union

1.37x (National Avg. - 0.91%)

$100,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL CD

ONE COMMUNITY

0.75%

$50,000

36 Month

Credit Union

0.86x (National Avg. - 0.87%)

$10,000

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

NORTHROP GRUMMAN

4.51%

$50,000

24 Month

Credit Union

4.75x (National Avg. - 0.95%)

$40,000

SCENARIO

Year	Rate 4.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,255	1,579
2	52,255	2,357	1,650
3	54,612	2,463	1,724
4	57,075	2,574	1,802
5	59,649	2,690	1,883
6	62,339	2,811	1,968
7	65,150	2,938	2,057
8	68,089	3,071	2,150
9	71,159	3,209	2,247
10	74,369	3,354	2,348
11	77,723	3,505	2,454
12	81,228	3,663	2,564
13	84,891	3,829	2,680
14	88,720	4,001	2,801
15	92,721	4,182	2,927
16	96,903	4,370	3,059
17	101,273	4,567	3,197
18	105,841	4,773	3,341
19	110,614	4,989	3,492
20	115,603	5,214	3,650
	TOTAL	$70,817	$49,572

LOCAL CD

Fifth Third Bank, National Association

5.20%

$50,000

5 Month

Bank

N.A.

$5,000

SCENARIO

Year	Rate 5.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,600	1,820
2	52,600	2,735	1,915
3	55,335	2,877	2,014
4	58,213	3,027	2,119
5	61,240	3,184	2,229
6	64,424	3,350	2,345
7	67,774	3,524	2,467
8	71,298	3,708	2,595
9	75,006	3,900	2,730
10	78,906	4,103	2,872
11	83,009	4,316	3,022
12	87,326	4,541	3,179
13	91,867	4,777	3,344
14	96,644	5,025	3,518
15	101,669	5,287	3,701
16	106,956	5,562	3,893
17	112,518	5,851	4,096
18	118,369	6,155	4,309
19	124,524	6,475	4,533
20	130,999	6,812	4,768
	TOTAL	$87,811	$61,468

ONLINE CD

Northfield Bank

3.00%

$50,000

60 Month

Online Bank

3.29x (National Avg. - 0.91%)

SCENARIO

Year	Rate 3.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,500	1,050
2	51,500	1,545	1,082
3	53,045	1,591	1,114
4	54,636	1,639	1,147
5	56,275	1,688	1,182
6	57,964	1,739	1,217
7	59,703	1,791	1,254
8	61,494	1,845	1,291
9	63,339	1,900	1,330
10	65,239	1,957	1,370
11	67,196	2,016	1,411
12	69,212	2,076	1,453
13	71,288	2,139	1,497
14	73,427	2,203	1,542
15	75,629	2,269	1,588
16	77,898	2,337	1,636
17	80,235	2,407	1,685
18	82,642	2,479	1,735
19	85,122	2,554	1,788
20	87,675	2,630	1,841
	TOTAL	$40,306	$28,214

LOCAL CD

VYSTAR

3.00%

$50,000

3 Month

Credit Union

0.20x (National Avg. - 15.29%)

$50,000

SCENARIO

Year	Rate 3.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,500	1,050
2	51,500	1,545	1,082
3	53,045	1,591	1,114
4	54,636	1,639	1,147
5	56,275	1,688	1,182
6	57,964	1,739	1,217
7	59,703	1,791	1,254
8	61,494	1,845	1,291
9	63,339	1,900	1,330
10	65,239	1,957	1,370
11	67,196	2,016	1,411
12	69,212	2,076	1,453
13	71,288	2,139	1,497
14	73,427	2,203	1,542
15	75,629	2,269	1,588
16	77,898	2,337	1,636
17	80,235	2,407	1,685
18	82,642	2,479	1,735
19	85,122	2,554	1,788
20	87,675	2,630	1,841
	TOTAL	$40,306	$28,214

LOCAL CD

Heritage Bank

4.60%

$50,000

3 Month

Bank

0.30x (National Avg. - 15.29%)

SCENARIO

Year	Rate 4.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,300	1,610
2	52,300	2,406	1,684
3	54,706	2,516	1,762
4	57,222	2,632	1,843
5	59,854	2,753	1,927
6	62,608	2,880	2,016
7	65,488	3,012	2,109
8	68,500	3,151	2,206
9	71,651	3,296	2,307
10	74,947	3,448	2,413
11	78,395	3,606	2,524
12	82,001	3,772	2,640
13	85,773	3,946	2,762
14	89,718	4,127	2,889
15	93,846	4,317	3,022
16	98,162	4,515	3,161
17	102,678	4,723	3,306
18	107,401	4,940	3,458
19	112,342	5,168	3,617
20	117,509	5,405	3,784
	TOTAL	$72,915	$51,040

LOCAL CD

Washington Trust Bank

4.60%

$50,000

9 Month

Bank

N.A.

$100,000

SCENARIO

Year	Rate 4.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,300	1,610
2	52,300	2,406	1,684
3	54,706	2,516	1,762
4	57,222	2,632	1,843
5	59,854	2,753	1,927
6	62,608	2,880	2,016
7	65,488	3,012	2,109
8	68,500	3,151	2,206
9	71,651	3,296	2,307
10	74,947	3,448	2,413
11	78,395	3,606	2,524
12	82,001	3,772	2,640
13	85,773	3,946	2,762
14	89,718	4,127	2,889
15	93,846	4,317	3,022
16	98,162	4,515	3,161
17	102,678	4,723	3,306
18	107,401	4,940	3,458
19	112,342	5,168	3,617
20	117,509	5,405	3,784
	TOTAL	$72,915	$51,040

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Blue Foundry Bank	6.00%	$5,000	Learn More
5 Month CD Special. Must be linked to a standard consumer or business checking account in which 12.6% of the total combined balance is maintained. Otherwise APY is 5.25%.
TotalDirect, a division of City National Bank of Florida	5.51%	$25,000	Learn More
Last change: ↓0.15% on May 13. 3 Month CD.
My e-Banc, a division of Bradesco BAC Florida Bank	5.49%	$50,000	Learn More
Last change: ↑0.09% on March 12. 6 Month Jumbo CD.
Charles Schwab Bank, SSB	5.46%	$1,000	Learn More
Last change: ↓0.05% on May 9.
My e-Banc, a division of Bradesco BAC Florida Bank	5.41%	$50,000	Learn More
Last change: ↓0.36% on March 12. Early Withdrawal Penalty is 3 months interest.

Compare Savings vs. CDs Comparison of Deposit Account from VIST Bank with 0.03% - May 2024

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from VIST Bank with 0.03% - May 2024