Compare Savings vs. CDs
Comparison of Deposit Account from BMI with 0.05% - March 2025


Long-Term Analysis of The Middlefield Banking Company with 0.42% APY and BMI with 0.05% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    0.42%
    -
    $50,000
    24 Month
    Bank
    0.64x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.42%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 210 147
    2 50,210 211 148
    3 50,421 212 148
    4 50,633 213 149
    5 50,845 214 149
    6 51,059 214 150
    7 51,273 215 151
    8 51,489 216 151
    9 51,705 217 152
    10 51,922 218 153
    11 52,140 219 153
    12 52,359 220 154
    13 52,579 221 155
    14 52,800 222 155
    15 53,022 223 156
    16 53,244 224 157
    17 53,468 225 157
    18 53,693 226 158
    19 53,918 226 159
    20 54,144 227 159
    TOTAL $4,372 $3,060
  • 2
    LOCAL SAVINGS
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.22x (National Avg. - 0.23%)
    $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

    All calculations are for demonstration purposes only.

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    ONLINE BANKS APY? MIN?

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    Last change: ↓0.50% on February 25.