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Comparison of Deposit Account from Bank of Dixon County with 1.30% - April 2025


Long-Term Analysis of San Luis Valley Federal Bank with 0.79% APY and Ozarks Federal Savings and Loan Association with 1.00% APY and Bank of Dixon County with 1.30% APY and VeraBank, National Association with 2.98% APY and DUGOOD with 1.41% 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
    San Luis Valley Federal Bank
    0.79%
    -
    $50,000
    36 Month
    Bank
    1.05x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.79%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 395 277
    2 50,395 398 279
    3 50,793 401 281
    4 51,194 404 283
    5 51,599 408 285
    6 52,006 411 288
    7 52,417 414 290
    8 52,831 417 292
    9 53,249 421 294
    10 53,669 424 297
    11 54,093 427 299
    12 54,521 431 301
    13 54,951 434 304
    14 55,386 438 306
    15 55,823 441 309
    16 56,264 444 311
    17 56,709 448 314
    18 57,157 452 316
    19 57,608 455 319
    20 58,063 459 321
    TOTAL $8,522 $5,965
  • 2
    LOCAL CD
    Ozarks Federal Savings and Loan Association
    1.00%
    -
    $50,000
    60 Month
    Bank
    1.09x (National Avg. - 0.92%)
    $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
  • 3
    LOCAL CD
    Bank of Dixon County
    1.30%
    -
    $50,000
    24 Month
    Bank
    1.97x (National Avg. - 0.66%)
    $100,000
     
    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
  • 4
    LOCAL CD
    VeraBank, National Association
    2.98%
    -
    $50,000
    24 Month
    Bank
    4.52x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    2.98%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,490 1,043
    2 51,490 1,534 1,074
    3 53,024 1,580 1,106
    4 54,605 1,627 1,139
    5 56,232 1,676 1,173
    6 57,907 1,726 1,208
    7 59,633 1,777 1,244
    8 61,410 1,830 1,281
    9 63,240 1,885 1,319
    10 65,125 1,941 1,359
    11 67,065 1,999 1,399
    12 69,064 2,058 1,441
    13 71,122 2,119 1,484
    14 73,242 2,183 1,528
    15 75,424 2,248 1,573
    16 77,672 2,315 1,620
    17 79,986 2,384 1,669
    18 82,370 2,455 1,718
    19 84,825 2,528 1,769
    20 87,352 2,603 1,822
    TOTAL $39,956 $27,969
  • 5
    LOCAL CD
    DUGOOD
    1.41%
    -
    $50,000
    60 Month
    Credit Union
    1.53x (National Avg. - 0.92%)
    $1,000
     
    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

    All calculations are for demonstration purposes only.

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