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Comparison of Deposit Account from Bank of Star Valley with 3.19% - April 2025

Long-Term Analysis of Bank Plus with 1.19% APY and NINNESCAH VALLEY BANK with 1.25% APY and The Peoples Bank with 1.16% APY and East West Bank with 0.15% APY and Bank of the Sierra with 0.23% APY and Bank of the Sierra with 0.27% APY and Beneficial State Bank with 0.40% APY and Mission National Bank with 0.80% APY and First Pioneer National Bank with 1.21% APY and The Stock Exchange Bank, Caldwell, Kansas with 1.10% APY and Salem Co-operative Bank with 1.25% APY and Bank of Monticello with 1.46% APY and RIVERWAYS with 4.16% APY and BancCentral, National Association with 0.95% APY and Bank of Vici with 1.01% APY and SpiritBank with 0.90% APY and Mabrey Bank with 0.30% APY and Bank of Star Valley with 3.19% 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

Bank Plus

1.19%

$50,000

36 Month

Bank

1.58x (National Avg. - 0.75%)

$1,000

SCENARIO

Year	Rate 1.19%	Annual Interest	Annual Interest (After Tax)
1	50,000	595	417
2	50,595	602	421
3	51,197	609	426
4	51,806	616	432
5	52,423	624	437
6	53,047	631	442
7	53,678	639	447
8	54,317	646	452
9	54,963	654	458
10	55,617	662	463
11	56,279	670	469
12	56,949	678	474
13	57,626	686	480
14	58,312	694	486
15	59,006	702	492
16	59,708	711	497
17	60,419	719	503
18	61,138	728	509
19	61,865	736	515
20	62,601	745	521
	TOTAL	$13,346	$9,342

LOCAL CD

NINNESCAH VALLEY BANK

1.25%

$50,000

36 Month

Bank

1.66x (National Avg. - 0.75%)

$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

The Peoples Bank

1.16%

$50,000

48 Month

Bank

1.42x (National Avg. - 0.82%)

$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

East West Bank

0.15%

$50,000

24 Month

Bank

0.23x (National Avg. - 0.66%)

$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

Bank of the Sierra

0.23%

$50,000

36 Month

Bank

0.31x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.23%	Annual Interest	Annual Interest (After Tax)
1	50,000	115	81
2	50,115	115	81
3	50,230	116	81
4	50,346	116	81
5	50,462	116	81
6	50,578	116	81
7	50,694	117	82
8	50,811	117	82
9	50,927	117	82
10	51,045	117	82
11	51,162	118	82
12	51,280	118	83
13	51,398	118	83
14	51,516	118	83
15	51,634	119	83
16	51,753	119	83
17	51,872	119	84
18	51,991	120	84
19	52,111	120	84
20	52,231	120	84
	TOTAL	$2,351	$1,646

LOCAL CD

Bank of the Sierra

0.27%

$50,000

48 Month

Bank

0.33x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.27%	Annual Interest	Annual Interest (After Tax)
1	50,000	135	95
2	50,135	135	95
3	50,270	136	95
4	50,406	136	95
5	50,542	136	96
6	50,679	137	96
7	50,815	137	96
8	50,953	138	96
9	51,090	138	97
10	51,228	138	97
11	51,367	139	97
12	51,505	139	97
13	51,644	139	98
14	51,784	140	98
15	51,924	140	98
16	52,064	141	98
17	52,204	141	99
18	52,345	141	99
19	52,487	142	99
20	52,628	142	99
	TOTAL	$2,770	$1,939

LOCAL CD

Beneficial State Bank

0.40%

$50,000

36 Month

Bank

0.53x (National Avg. - 0.75%)

$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

Mission National 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

First Pioneer National Bank

1.21%

$50,000

36 Month

Bank

1.61x (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

The Stock Exchange Bank, Caldwell, Kansas

1.10%

$50,000

24 Month

Bank

1.67x (National Avg. - 0.66%)

$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

Salem Co-operative 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

Bank of Monticello

1.46%

$50,000

60 Month

Bank

1.59x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.46%	Annual Interest	Annual Interest (After Tax)
1	50,000	730	511
2	50,730	741	518
3	51,471	751	526
4	52,222	762	534
5	52,985	774	542
6	53,758	785	549
7	54,543	796	557
8	55,339	808	566
9	56,147	820	574
10	56,967	832	582
11	57,799	844	591
12	58,643	856	599
13	59,499	869	608
14	60,367	881	617
15	61,249	894	626
16	62,143	907	635
17	63,050	921	644
18	63,971	934	654
19	64,905	948	663
20	65,853	961	673
	TOTAL	$16,814	$11,770

LOCAL CD

RIVERWAYS

4.16%

$50,000

24 Month

Credit Union

6.30x (National Avg. - 0.66%)

$250

SCENARIO

Year	Rate 4.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,080	1,456
2	52,080	2,167	1,517
3	54,247	2,257	1,580
4	56,503	2,351	1,645
5	58,854	2,448	1,714
6	61,302	2,550	1,785
7	63,852	2,656	1,859
8	66,508	2,767	1,937
9	69,275	2,882	2,017
10	72,157	3,002	2,101
11	75,159	3,127	2,189
12	78,285	3,257	2,280
13	81,542	3,392	2,375
14	84,934	3,533	2,473
15	88,467	3,680	2,576
16	92,148	3,833	2,683
17	95,981	3,993	2,795
18	99,974	4,159	2,911
19	104,133	4,332	3,032
20	108,465	4,512	3,158
	TOTAL	$62,977	$44,084

LOCAL CD

BancCentral, National Association

0.95%

$50,000

48 Month

Bank

1.17x (National Avg. - 0.82%)

$10,000

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

Bank of Vici

1.01%

$50,000

60 Month

Bank

1.10x (National Avg. - 0.92%)

$1,000

SCENARIO

Year	Rate 1.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	505	354
2	50,505	510	357
3	51,015	515	361
4	51,530	520	364
5	52,051	526	368
6	52,577	531	372
7	53,108	536	375
8	53,644	542	379
9	54,186	547	383
10	54,733	553	387
11	55,286	558	391
12	55,844	564	395
13	56,408	570	399
14	56,978	575	403
15	57,553	581	407
16	58,135	587	411
17	58,722	593	415
18	59,315	599	419
19	59,914	605	424
20	60,519	611	428
	TOTAL	$11,130	$7,791

LOCAL CD

SpiritBank

0.90%

$50,000

60 Month

Bank

0.98x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

Mabrey Bank

0.30%

$50,000

6 Month

Bank

0.74x (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

Bank of Star Valley

3.19%

$50,000

24 Month

Bank

4.83x (National Avg. - 0.66%)

$251

SCENARIO

Year	Rate 3.19%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,595	1,117
2	51,595	1,646	1,152
3	53,241	1,698	1,189
4	54,939	1,753	1,227
5	56,692	1,808	1,266
6	58,500	1,866	1,306
7	60,366	1,926	1,348
8	62,292	1,987	1,391
9	64,279	2,051	1,435
10	66,330	2,116	1,481
11	68,446	2,183	1,528
12	70,629	2,253	1,577
13	72,882	2,325	1,627
14	75,207	2,399	1,679
15	77,606	2,476	1,733
16	80,082	2,555	1,788
17	82,636	2,636	1,845
18	85,273	2,720	1,904
19	87,993	2,807	1,965
20	90,800	2,897	2,028
	TOTAL	$43,696	$30,587

All calculations are for demonstration purposes only.

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Compare Savings vs. CDs Comparison of Deposit Account from Bank of Star Valley with 3.19% - April 2025

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Compare Savings vs. CDs
Comparison of Deposit Account from Bank of Star Valley with 3.19% - April 2025