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Comparison of Deposit Account from Wadena State Bank with 1.66% - August 2025

Long-Term Analysis of The Cecilian Bank with 1.10% APY and Spratt Savings Bank with 1.41% APY and Astra Bank with 1.10% APY and Millennial Bank with 1.25% APY and Cullman Savings Bank with 1.25% APY and Community Commerce Bank with 3.97% APY and Four Corners Community Bank with 1.25% APY and FNBT BANK with 0.50% APY and Southeast First National Bank with 0.30% APY and First National Bank of Wauchula with 0.40% APY and The First National Bank of Raymond with 1.26% APY and Morton Community Bank with 2.21% APY and Morton Community Bank with 2.17% APY and Midland Community Bank with 1.20% APY and Preferred Bank with 1.36% APY and First National Bank of Waterloo with 1.21% APY and Evergreen Bank Group with 3.50% APY and Anderson State Bank with 1.21% APY and Anderson State Bank with 1.31% APY and The Farmers Bank of Mt. Pulaski with 1.35% APY and ESB Financial with 1.31% APY and ESB Financial with 1.41% APY and The Lyon County State Bank with 1.31% APY and Garden Plain State Bank with 1.12% APY and Delta Bank with 1.16% APY and Washington State Bank with 1.30% APY and Guaranty Bank and Trust Company with 1.22% APY and Bank of Zachary with 1.15% APY and Mercantile Bank with 3.40% APY and The First National Bank of Bemidji with 1.16% APY and First State Bank of Grove City with 1.20% APY and Wadena State Bank with 1.66% APY and The Bank of Grain Valley with 1.25% APY and Concordia Bank of Concordia, Missouri with 1.40% APY and Mechanics & Farmers Bank with 0.30% APY and NebraskaLand National Bank with 0.25% APY and Platte Valley Bank with 0.50% APY and Platte Valley Bank with 0.30% APY and Platte Valley Bank with 0.80% APY and Exchange Bank with 1.10% APY and Blue Foundry Bank with 3.00% APY and Quaint Oak Bank with 3.75% APY and Richland State Bank with 1.21% APY and Union Bank with 1.20% APY and FVCbank with 0.75% APY and The Old Point National Bank of Phoebus with 0.40% APY and The Old Point National Bank of Phoebus with 0.55% APY and ABNB with 1.05% APY and FIREFIGHTERS with 1.25% APY and GUARDIAN with 0.05% APY and EMPOWER with 1.16% APY and Uinta Bank with 1.30% APY and Cheyenne State Bank with 1.20% 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 CD

The Cecilian Bank

1.10%

$50,000

36 Month

Bank

1.46x (National Avg. - 0.75%)

$1,000

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

Spratt Savings Bank

1.41%

$50,000

36 Month

Bank

1.87x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 1.41%	Annual Interest	Annual Interest (After Tax)
1	50,000	705	494
2	50,705	715	500
3	51,420	725	508
4	52,145	735	515
5	52,880	746	522
6	53,626	756	529
7	54,382	767	537
8	55,149	778	544
9	55,926	789	552
10	56,715	800	560
11	57,515	811	568
12	58,326	822	576
13	59,148	834	584
14	59,982	846	592
15	60,828	858	600
16	61,685	870	609
17	62,555	882	617
18	63,437	894	626
19	64,332	907	635
20	65,239	920	644
	TOTAL	$16,159	$11,311

LOCAL CD

Astra Bank

1.10%

$50,000

36 Month

Bank

1.46x (National Avg. - 0.75%)

$500

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

Millennial Bank

1.25%

$50,000

48 Month

Bank

1.53x (National Avg. - 0.82%)

$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

Cullman Savings Bank

1.25%

$50,000

48 Month

Bank

1.53x (National Avg. - 0.82%)

$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

Community Commerce Bank

3.97%

$50,000

48 Month

Bank

4.86x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 3.97%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,985	1,390
2	51,985	2,064	1,445
3	54,049	2,146	1,502
4	56,195	2,231	1,562
5	58,425	2,319	1,624
6	60,745	2,412	1,688
7	63,157	2,507	1,755
8	65,664	2,607	1,825
9	68,271	2,710	1,897
10	70,981	2,818	1,973
11	73,799	2,930	2,051
12	76,729	3,046	2,132
13	79,775	3,167	2,217
14	82,942	3,293	2,305
15	86,235	3,424	2,396
16	89,658	3,559	2,492
17	93,218	3,701	2,591
18	96,919	3,848	2,693
19	100,766	4,000	2,800
20	104,767	4,159	2,911
	TOTAL	$58,926	$41,248

LOCAL CD

Four Corners Community Bank

1.25%

$50,000

48 Month

Bank

1.53x (National Avg. - 0.82%)

$10,000

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

FNBT BANK

0.50%

$50,000

60 Month

Bank

0.54x (National Avg. - 0.92%)

$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

Southeast First National Bank

0.30%

$50,000

24 Month

Bank

0.45x (National Avg. - 0.66%)

$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

First National Bank of Wauchula

0.40%

$50,000

6 Month

Bank

0.98x (National Avg. - 0.41%)

$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

The First National Bank of Raymond

1.26%

$50,000

48 Month

Bank

1.54x (National Avg. - 0.82%)

$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

Morton Community Bank

2.21%

$50,000

36 Month

Bank

2.93x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 2.21%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,105	774
2	51,105	1,129	791
3	52,234	1,154	808
4	53,389	1,180	826
5	54,569	1,206	844
6	55,775	1,233	863
7	57,007	1,260	882
8	58,267	1,288	901
9	59,555	1,316	921
10	60,871	1,345	942
11	62,216	1,375	962
12	63,591	1,405	984
13	64,997	1,436	1,005
14	66,433	1,468	1,028
15	67,901	1,501	1,050
16	69,402	1,534	1,074
17	70,936	1,568	1,097
18	72,503	1,602	1,122
19	74,106	1,638	1,146
20	75,743	1,674	1,172
	TOTAL	$27,417	$19,192

LOCAL CD

Morton Community Bank

2.17%

$50,000

48 Month

Bank

2.66x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 2.17%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,085	760
2	51,085	1,109	776
3	52,194	1,133	793
4	53,326	1,157	810
5	54,483	1,182	828
6	55,666	1,208	846
7	56,874	1,234	864
8	58,108	1,261	883
9	59,369	1,288	902
10	60,657	1,316	921
11	61,973	1,345	941
12	63,318	1,374	962
13	64,692	1,404	983
14	66,096	1,434	1,004
15	67,530	1,465	1,026
16	68,996	1,497	1,048
17	70,493	1,530	1,071
18	72,022	1,563	1,094
19	73,585	1,597	1,118
20	75,182	1,631	1,142
	TOTAL	$26,814	$18,769

LOCAL CD

Midland Community Bank

1.20%

$50,000

48 Month

Bank

1.47x (National Avg. - 0.82%)

$100,000

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

Preferred Bank

1.36%

$50,000

48 Month

Bank

1.66x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.36%	Annual Interest	Annual Interest (After Tax)
1	50,000	680	476
2	50,680	689	482
3	51,369	699	489
4	52,068	708	496
5	52,776	718	502
6	53,494	728	509
7	54,221	737	516
8	54,959	747	523
9	55,706	758	530
10	56,464	768	538
11	57,232	778	545
12	58,010	789	552
13	58,799	800	560
14	59,599	811	567
15	60,409	822	575
16	61,231	833	583
17	62,063	844	591
18	62,907	856	599
19	63,763	867	607
20	64,630	879	615
	TOTAL	$15,509	$10,856

LOCAL CD

First National Bank of Waterloo

1.21%

$50,000

48 Month

Bank

1.48x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.21%	Annual Interest	Annual Interest (After Tax)
1	50,000	605	424
2	50,605	612	429
3	51,217	620	434
4	51,837	627	439
5	52,464	635	444
6	53,099	642	450
7	53,742	650	455
8	54,392	658	461
9	55,050	666	466
10	55,716	674	472
11	56,390	682	478
12	57,073	691	483
13	57,763	699	489
14	58,462	707	495
15	59,170	716	501
16	59,885	725	507
17	60,610	733	513
18	61,343	742	520
19	62,086	751	526
20	62,837	760	532
	TOTAL	$13,597	$9,518

LOCAL CD

Evergreen Bank Group

3.50%

$50,000

48 Month

Bank

4.28x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

LOCAL CD

Anderson State Bank

1.21%

$50,000

36 Month

Bank

1.60x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.21%	Annual Interest	Annual Interest (After Tax)
1	50,000	605	424
2	50,605	612	429
3	51,217	620	434
4	51,837	627	439
5	52,464	635	444
6	53,099	642	450
7	53,742	650	455
8	54,392	658	461
9	55,050	666	466
10	55,716	674	472
11	56,390	682	478
12	57,073	691	483
13	57,763	699	489
14	58,462	707	495
15	59,170	716	501
16	59,885	725	507
17	60,610	733	513
18	61,343	742	520
19	62,086	751	526
20	62,837	760	532
	TOTAL	$13,597	$9,518

LOCAL CD

Anderson State Bank

1.31%

$50,000

48 Month

Bank

1.60x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.31%	Annual Interest	Annual Interest (After Tax)
1	50,000	655	459
2	50,655	664	465
3	51,319	672	471
4	51,991	681	477
5	52,672	690	483
6	53,362	699	489
7	54,061	708	496
8	54,769	717	502
9	55,487	727	509
10	56,214	736	515
11	56,950	746	522
12	57,696	756	529
13	58,452	766	536
14	59,218	776	543
15	59,993	786	550
16	60,779	796	557
17	61,575	807	565
18	62,382	817	572
19	63,199	828	580
20	64,027	839	587
	TOTAL	$14,866	$10,406

LOCAL CD

The Farmers Bank of Mt. Pulaski

1.35%

$50,000

48 Month

Bank

1.65x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	675	473
2	50,675	684	479
3	51,359	693	485
4	52,052	703	492
5	52,755	712	499
6	53,467	722	505
7	54,189	732	512
8	54,921	741	519
9	55,662	751	526
10	56,414	762	533
11	57,175	772	540
12	57,947	782	548
13	58,729	793	555
14	59,522	804	562
15	60,326	814	570
16	61,140	825	578
17	61,966	837	586
18	62,802	848	593
19	63,650	859	601
20	64,509	871	610
	TOTAL	$15,380	$10,766

LOCAL CD

ESB Financial

1.31%

$50,000

48 Month

Bank

1.60x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.31%	Annual Interest	Annual Interest (After Tax)
1	50,000	655	459
2	50,655	664	465
3	51,319	672	471
4	51,991	681	477
5	52,672	690	483
6	53,362	699	489
7	54,061	708	496
8	54,769	717	502
9	55,487	727	509
10	56,214	736	515
11	56,950	746	522
12	57,696	756	529
13	58,452	766	536
14	59,218	776	543
15	59,993	786	550
16	60,779	796	557
17	61,575	807	565
18	62,382	817	572
19	63,199	828	580
20	64,027	839	587
	TOTAL	$14,866	$10,406

LOCAL CD

ESB Financial

1.41%

$50,000

36 Month

Bank

1.87x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.41%	Annual Interest	Annual Interest (After Tax)
1	50,000	705	494
2	50,705	715	500
3	51,420	725	508
4	52,145	735	515
5	52,880	746	522
6	53,626	756	529
7	54,382	767	537
8	55,149	778	544
9	55,926	789	552
10	56,715	800	560
11	57,515	811	568
12	58,326	822	576
13	59,148	834	584
14	59,982	846	592
15	60,828	858	600
16	61,685	870	609
17	62,555	882	617
18	63,437	894	626
19	64,332	907	635
20	65,239	920	644
	TOTAL	$16,159	$11,311

LOCAL CD

The Lyon County State Bank

1.31%

$50,000

36 Month

Bank

1.74x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 1.31%	Annual Interest	Annual Interest (After Tax)
1	50,000	655	459
2	50,655	664	465
3	51,319	672	471
4	51,991	681	477
5	52,672	690	483
6	53,362	699	489
7	54,061	708	496
8	54,769	717	502
9	55,487	727	509
10	56,214	736	515
11	56,950	746	522
12	57,696	756	529
13	58,452	766	536
14	59,218	776	543
15	59,993	786	550
16	60,779	796	557
17	61,575	807	565
18	62,382	817	572
19	63,199	828	580
20	64,027	839	587
	TOTAL	$14,866	$10,406

LOCAL CD

Garden Plain State Bank

1.12%

$50,000

36 Month

Bank

1.49x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.12%	Annual Interest	Annual Interest (After Tax)
1	50,000	560	392
2	50,560	566	396
3	51,126	573	401
4	51,699	579	405
5	52,278	586	410
6	52,863	592	414
7	53,455	599	419
8	54,054	605	424
9	54,660	612	429
10	55,272	619	433
11	55,891	626	438
12	56,517	633	443
13	57,150	640	448
14	57,790	647	453
15	58,437	654	458
16	59,092	662	463
17	59,753	669	468
18	60,423	677	474
19	61,099	684	479
20	61,784	692	484
	TOTAL	$12,476	$8,733

LOCAL CD

Delta Bank

1.16%

$50,000

36 Month

Bank

1.54x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	580	406
2	50,580	587	411
3	51,167	594	415
4	51,760	600	420
5	52,361	607	425
6	52,968	614	430
7	53,582	622	435
8	54,204	629	440
9	54,833	636	445
10	55,469	643	450
11	56,112	651	456
12	56,763	658	461
13	57,422	666	466
14	58,088	674	472
15	58,762	682	477
16	59,443	690	483
17	60,133	698	488
18	60,830	706	494
19	61,536	714	500
20	62,250	722	505
	TOTAL	$12,972	$9,080

LOCAL CD

Washington State Bank

1.30%

$50,000

36 Month

Bank

1.72x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	650	455
2	50,650	658	461
3	51,308	667	467
4	51,975	676	473
5	52,651	684	479
6	53,336	693	485
7	54,029	702	492
8	54,731	712	498
9	55,443	721	505
10	56,164	730	511
11	56,894	740	518
12	57,633	749	524
13	58,383	759	531
14	59,142	769	538
15	59,910	779	545
16	60,689	789	552
17	61,478	799	559
18	62,277	810	567
19	63,087	820	574
20	63,907	831	582
	TOTAL	$14,738	$10,317

LOCAL CD

Guaranty Bank and Trust Company

1.22%

$50,000

48 Month

Bank

1.49x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.22%	Annual Interest	Annual Interest (After Tax)
1	50,000	610	427
2	50,610	617	432
3	51,227	625	437
4	51,852	633	443
5	52,485	640	448
6	53,125	648	454
7	53,773	656	459
8	54,429	664	465
9	55,094	672	470
10	55,766	680	476
11	56,446	689	482
12	57,135	697	488
13	57,832	706	494
14	58,537	714	500
15	59,251	723	506
16	59,974	732	512
17	60,706	741	518
18	61,447	750	525
19	62,196	759	531
20	62,955	768	538
	TOTAL	$13,723	$9,606

LOCAL CD

Bank of Zachary

1.15%

$50,000

36 Month

Bank

1.53x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

LOCAL CD

Mercantile Bank

3.40%

$50,000

48 Month

Bank

4.16x (National Avg. - 0.82%)

$500

SCENARIO

Year	Rate 3.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,700	1,190
2	51,700	1,758	1,230
3	53,458	1,818	1,272
4	55,275	1,879	1,316
5	57,155	1,943	1,360
6	59,098	2,009	1,407
7	61,107	2,078	1,454
8	63,185	2,148	1,504
9	65,333	2,221	1,555
10	67,555	2,297	1,608
11	69,851	2,375	1,662
12	72,226	2,456	1,719
13	74,682	2,539	1,777
14	77,221	2,626	1,838
15	79,847	2,715	1,900
16	82,562	2,807	1,965
17	85,369	2,903	2,032
18	88,271	3,001	2,101
19	91,272	3,103	2,172
20	94,376	3,209	2,246
	TOTAL	$47,584	$33,309

LOCAL CD

The First National Bank of Bemidji

1.16%

$50,000

48 Month

Bank

1.42x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	580	406
2	50,580	587	411
3	51,167	594	415
4	51,760	600	420
5	52,361	607	425
6	52,968	614	430
7	53,582	622	435
8	54,204	629	440
9	54,833	636	445
10	55,469	643	450
11	56,112	651	456
12	56,763	658	461
13	57,422	666	466
14	58,088	674	472
15	58,762	682	477
16	59,443	690	483
17	60,133	698	488
18	60,830	706	494
19	61,536	714	500
20	62,250	722	505
	TOTAL	$12,972	$9,080

LOCAL CD

First State Bank of Grove City

1.20%

$50,000

48 Month

Bank

1.47x (National Avg. - 0.82%)

$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

Wadena State Bank

1.66%

$50,000

48 Month

Bank

2.03x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.66%	Annual Interest	Annual Interest (After Tax)
1	50,000	830	581
2	50,830	844	591
3	51,674	858	600
4	52,532	872	610
5	53,404	886	621
6	54,290	901	631
7	55,191	916	641
8	56,107	931	652
9	57,039	947	663
10	57,986	963	674
11	58,948	979	685
12	59,927	995	696
13	60,922	1,011	708
14	61,933	1,028	720
15	62,961	1,045	732
16	64,006	1,063	744
17	65,069	1,080	756
18	66,149	1,098	769
19	67,247	1,116	781
20	68,363	1,135	794
	TOTAL	$19,498	$13,649

LOCAL CD

The Bank of Grain Valley

1.25%

$50,000

48 Month

Bank

1.53x (National Avg. - 0.82%)

$10,000

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

Concordia Bank of Concordia, Missouri

1.40%

$50,000

36 Month

Bank

1.86x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	700	490
2	50,700	710	497
3	51,410	720	504
4	52,130	730	511
5	52,859	740	518
6	53,599	750	525
7	54,350	761	533
8	55,111	772	540
9	55,882	782	548
10	56,665	793	555
11	57,458	804	563
12	58,262	816	571
13	59,078	827	579
14	59,905	839	587
15	60,744	850	595
16	61,594	862	604
17	62,456	874	612
18	63,331	887	621
19	64,217	899	629
20	65,117	912	638
	TOTAL	$16,028	$11,220

LOCAL CD

Mechanics & Farmers Bank

0.30%

$50,000

60 Month

Bank

0.33x (National Avg. - 0.92%)

$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

NebraskaLand National Bank

0.25%

$50,000

6 Month

Bank

0.61x (National Avg. - 0.41%)

$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

Platte Valley Bank

0.50%

$50,000

12 Month

Bank

0.91x (National Avg. - 0.55%)

$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

Platte Valley Bank

0.30%

$50,000

6 Month

Bank

0.73x (National Avg. - 0.41%)

$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

Platte Valley Bank

0.80%

$50,000

36 Month

Bank

1.06x (National Avg. - 0.75%)

$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

Exchange Bank

1.10%

$50,000

36 Month

Bank

1.46x (National Avg. - 0.75%)

$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

Blue Foundry Bank

3.00%

$50,000

48 Month

Bank

3.67x (National Avg. - 0.82%)

$1,000

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

Quaint Oak Bank

3.75%

$50,000

48 Month

Bank

4.59x (National Avg. - 0.82%)

$500

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

Richland State Bank

1.21%

$50,000

36 Month

Bank

1.60x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 1.21%	Annual Interest	Annual Interest (After Tax)
1	50,000	605	424
2	50,605	612	429
3	51,217	620	434
4	51,837	627	439
5	52,464	635	444
6	53,099	642	450
7	53,742	650	455
8	54,392	658	461
9	55,050	666	466
10	55,716	674	472
11	56,390	682	478
12	57,073	691	483
13	57,763	699	489
14	58,462	707	495
15	59,170	716	501
16	59,885	725	507
17	60,610	733	513
18	61,343	742	520
19	62,086	751	526
20	62,837	760	532
	TOTAL	$13,597	$9,518

LOCAL CD

Union Bank

1.20%

$50,000

48 Month

Bank

1.47x (National Avg. - 0.82%)

$100,000

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

FVCbank

0.75%

$50,000

12 Month

Bank

1.36x (National Avg. - 0.55%)

$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 Old Point National Bank of Phoebus

0.40%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.58%)

$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

The Old Point National Bank of Phoebus

0.55%

$50,000

48 Month

Bank

0.67x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	275	193
2	50,275	277	194
3	50,552	278	195
4	50,830	280	196
5	51,109	281	197
6	51,390	283	198
7	51,673	284	199
8	51,957	286	200
9	52,243	287	201
10	52,530	289	202
11	52,819	291	203
12	53,110	292	204
13	53,402	294	206
14	53,695	295	207
15	53,991	297	208
16	54,288	299	209
17	54,586	300	210
18	54,886	302	211
19	55,188	304	212
20	55,492	305	214
	TOTAL	$5,797	$4,058

LOCAL CD

ABNB

1.05%

$50,000

36 Month

Credit Union

1.39x (National Avg. - 0.75%)

$10,000

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 CD

FIREFIGHTERS

1.25%

$50,000

60 Month

Credit Union

1.36x (National Avg. - 0.92%)

$10,000

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

GUARDIAN

0.05%

$50,000

60 Month

Credit Union

0.05x (National Avg. - 0.92%)

$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

EMPOWER

1.16%

$50,000

60 Month

Credit Union

1.26x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	580	406
2	50,580	587	411
3	51,167	594	415
4	51,760	600	420
5	52,361	607	425
6	52,968	614	430
7	53,582	622	435
8	54,204	629	440
9	54,833	636	445
10	55,469	643	450
11	56,112	651	456
12	56,763	658	461
13	57,422	666	466
14	58,088	674	472
15	58,762	682	477
16	59,443	690	483
17	60,133	698	488
18	60,830	706	494
19	61,536	714	500
20	62,250	722	505
	TOTAL	$12,972	$9,080

LOCAL CD

Uinta Bank

1.30%

$50,000

48 Month

Bank

1.59x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	650	455
2	50,650	658	461
3	51,308	667	467
4	51,975	676	473
5	52,651	684	479
6	53,336	693	485
7	54,029	702	492
8	54,731	712	498
9	55,443	721	505
10	56,164	730	511
11	56,894	740	518
12	57,633	749	524
13	58,383	759	531
14	59,142	769	538
15	59,910	779	545
16	60,689	789	552
17	61,478	799	559
18	62,277	810	567
19	63,087	820	574
20	63,907	831	582
	TOTAL	$14,738	$10,317

LOCAL CD

Cheyenne State Bank

1.20%

$50,000

36 Month

Bank

1.59x (National Avg. - 0.75%)

$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

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.
Finworth, a division of InsBank	4.46%	$50,000	Learn More
Last change: ↑0.26% on April 9. Early Withdrawal Penalty is 6 months interest.
Bread Savings, a division of Bread Financial	4.45%	$1,500	Learn More
Last change: ↑0.10% on July 13.

Compare Savings vs. CDs Comparison of Deposit Account from Wadena State Bank with 1.66% - August 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Wadena State Bank with 1.66% - August 2025