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Comparison of Deposit Account from BNC National Bank with 0.30% - April 2025

Long-Term Analysis of Elmira Savings Bank with 0.03% APY and CFG Bank with 4.15% APY and Elmira Savings Bank with 0.15% APY and Elmira Savings Bank with 0.30% APY and Elmira Savings Bank with 0.40% APY and Elmira Savings Bank with 0.60% APY and JM ASSOCIATES with 0.60% APY and JM ASSOCIATES with 1.11% APY and SunSouth Bank with 0.50% APY and SunSouth Bank with 0.50% APY and SunSouth Bank with 0.15% APY and SKYLINE FINANCIAL with 0.75% APY and NATIONAL INSTITUTES OF HEALTH with 1.00% APY and NATIONAL INSTITUTES OF HEALTH with 0.25% APY and NATIONAL INSTITUTES OF HEALTH with 0.25% APY and NATIONAL INSTITUTES OF HEALTH with 0.25% APY and NATIONAL INSTITUTES OF HEALTH with 0.25% APY and FEDCHOICE with 0.05% APY and FEDCHOICE with 0.05% APY and FEDCHOICE with 0.30% APY and BAY with 0.20% APY and CHARTWAY with 1.75% APY and COAST 2 COAST FINANCIAL with 0.65% APY and HAWAIIUSA with 0.50% APY and ASCENTRA with 1.20% APY and I. H. MISSISSIPPI VALLEY with 0.75% APY and I. H. MISSISSIPPI VALLEY with 0.85% APY and I. H. MISSISSIPPI VALLEY with 0.10% APY and ADVIA with 0.20% APY and ADVIA with 0.30% APY and PARDA with 0.50% APY and PARDA with 0.60% APY and PARDA with 0.70% APY and EVERENCE with 0.40% APY and GREAT PLAINS with 0.90% APY and Planters Bank, Inc. with 0.50% APY and The Casey County Bank, Inc. with 0.25% APY and JEFFERSON FINANCIAL with 1.51% APY and Cambridge Savings Bank with 0.75% APY and Cambridge Savings Bank with 0.75% APY and Cambridge Savings Bank with 0.15% APY and TEAM ONE with 0.50% APY and BNC National Bank with 0.25% APY and BNC National Bank with 0.30% APY and BNC National Bank with 0.30% APY and BNC National Bank with 0.45% APY and MAINSTREET with 1.05% APY and MAINSTREET with 1.20% APY and MAINSTREET with 0.35% APY and VISION FINANCIAL with 0.30% APY and Brunswick State Bank with 1.26% APY and Homestead Bank with 1.10% APY and Cornhusker Bank with 0.75% APY and Thayer County Bank with 0.45% APY and Primary Bank with 2.27% APY and The Bank of Castile with 0.30% APY and The Luzerne Bank with 0.03% APY and The Luzerne Bank with 0.04% APY and The Luzerne Bank with 0.06% APY and The Luzerne Bank with 0.40% APY and The Luzerne Bank with 0.20% APY and ADVANTAGE FINANCIAL with 0.40% APY and ADVANTAGE FINANCIAL with 0.35% APY and HOUSTON with 1.12% APY and HOUSTON with 1.20% APY and SECURED ADVANTAGE with 0.35% APY and SYNERGY with 0.55% APY and TEXAS BAY with 0.75% APY and ADVIA with 0.50% APY and ADVIA with 0.40% APY and ADVIA with 0.55% APY and ADVIA with 0.20% APY and ATLANTIC CITY with 0.10% APY and RELIANT with 1.06% APY and Peoples Security Bank and Trust Company with 0.70% 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

Elmira Savings Bank

0.03%

$50,000

N.A.

Bank

N.A.

$500

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

ONLINE CD

CFG Bank

4.15%

$50,000

12 Month

Online Bank

7.52x (National Avg. - 0.55%)

$500

SCENARIO

Year	Rate 4.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,075	1,453
2	52,075	2,161	1,513
3	54,236	2,251	1,576
4	56,487	2,344	1,641
5	58,831	2,441	1,709
6	61,273	2,543	1,780
7	63,815	2,648	1,854
8	66,464	2,758	1,931
9	69,222	2,873	2,011
10	72,095	2,992	2,094
11	75,087	3,116	2,181
12	78,203	3,245	2,272
13	81,448	3,380	2,366
14	84,828	3,520	2,464
15	88,349	3,666	2,567
16	92,015	3,819	2,673
17	95,834	3,977	2,784
18	99,811	4,142	2,900
19	103,953	4,314	3,020
20	108,267	4,493	3,145
	TOTAL	$62,760	$43,932

LOCAL CD

Elmira Savings Bank

0.15%

$50,000

12 Month

Bank

0.27x (National Avg. - 0.55%)

$100,000

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

Elmira Savings Bank

0.30%

$50,000

36 Month

Bank

0.40x (National Avg. - 0.75%)

$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

Elmira Savings Bank

0.40%

$50,000

48 Month

Bank

0.49x (National Avg. - 0.82%)

$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

Elmira Savings Bank

0.60%

$50,000

60 Month

Bank

0.65x (National Avg. - 0.92%)

$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

JM ASSOCIATES

0.60%

$50,000

6 Month

Credit Union

1.48x (National Avg. - 0.41%)

$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

JM ASSOCIATES

1.11%

$50,000

60 Month

Credit Union

1.21x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.11%	Annual Interest	Annual Interest (After Tax)
1	50,000	555	389
2	50,555	561	393
3	51,116	567	397
4	51,684	574	402
5	52,257	580	406
6	52,837	586	411
7	53,424	593	415
8	54,017	600	420
9	54,616	606	424
10	55,223	613	429
11	55,836	620	434
12	56,455	627	439
13	57,082	634	444
14	57,716	641	448
15	58,356	648	453
16	59,004	655	458
17	59,659	662	464
18	60,321	670	469
19	60,991	677	474
20	61,668	685	479
	TOTAL	$12,352	$8,647

LOCAL CD

SunSouth Bank

0.50%

$50,000

12 Month

Bank

0.91x (National Avg. - 0.55%)

$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

SunSouth Bank

0.50%

$50,000

18 Month

Bank

0.86x (National Avg. - 0.58%)

$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

SunSouth Bank

0.15%

$50,000

6 Month

Bank

0.37x (National Avg. - 0.41%)

$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

SKYLINE FINANCIAL

0.75%

$50,000

36 Month

Credit Union

0.99x (National Avg. - 0.75%)

$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 CD

NATIONAL INSTITUTES OF HEALTH

1.00%

$50,000

18 Month

Credit Union

1.72x (National Avg. - 0.58%)

$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

NATIONAL INSTITUTES OF HEALTH

0.25%

$50,000

30 Month

Credit Union

N.A.

$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

NATIONAL INSTITUTES OF HEALTH

0.25%

$50,000

30 Month

Credit Union

N.A.

$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

NATIONAL INSTITUTES OF HEALTH

0.25%

$50,000

36 Month

Credit Union

0.33x (National Avg. - 0.75%)

$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

NATIONAL INSTITUTES OF HEALTH

0.25%

$50,000

36 Month

Credit Union

0.33x (National Avg. - 0.75%)

$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 MONEY MARKET

FEDCHOICE

0.05%

$50,000

N.A.

Credit Union

0.07x (National Avg. - 0.75%)

$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 MONEY MARKET

FEDCHOICE

0.05%

$50,000

N.A.

Credit Union

0.07x (National Avg. - 0.75%)

$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

N.A.

FEDCHOICE

0.30%

$50,000

N.A.

Credit Union

0.40x (National Avg. - 0.75%)

$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

BAY

0.20%

$50,000

6 Month

Credit Union

0.49x (National Avg. - 0.41%)

$10,000

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

CHARTWAY

1.75%

$50,000

18 Month

Credit Union

3.02x (National Avg. - 0.58%)

$500

SCENARIO

Year	Rate 1.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	875	613
2	50,875	890	623
3	51,765	906	634
4	52,671	922	645
5	53,593	938	657
6	54,531	954	668
7	55,485	971	680
8	56,456	988	692
9	57,444	1,005	704
10	58,449	1,023	716
11	59,472	1,041	729
12	60,513	1,059	741
13	61,572	1,078	754
14	62,649	1,096	767
15	63,746	1,116	781
16	64,861	1,135	795
17	65,996	1,155	808
18	67,151	1,175	823
19	68,327	1,196	837
20	69,522	1,217	852
	TOTAL	$20,739	$14,517

LOCAL CD

COAST 2 COAST FINANCIAL

0.65%

$50,000

60 Month

Credit Union

0.71x (National Avg. - 0.92%)

$100,000

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

HAWAIIUSA

0.50%

$50,000

36 Month

Credit Union

0.66x (National Avg. - 0.75%)

$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

ASCENTRA

1.20%

$50,000

48 Month

Credit Union

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

I. H. MISSISSIPPI VALLEY

0.75%

$50,000

12 Month

Credit Union

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

I. H. MISSISSIPPI VALLEY

0.85%

$50,000

60 Month

Credit Union

0.93x (National Avg. - 0.92%)

$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 MONEY MARKET

I. H. MISSISSIPPI VALLEY

0.10%

$50,000

N.A.

Credit Union

0.11x (National Avg. - 0.92%)

$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

ADVIA

0.20%

$50,000

12 Month

Credit Union

0.36x (National Avg. - 0.55%)

$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

ADVIA

0.30%

$50,000

24 Month

Credit Union

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

PARDA

0.50%

$50,000

12 Month

Credit Union

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

PARDA

0.60%

$50,000

18 Month

Credit Union

1.03x (National Avg. - 0.58%)

$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

PARDA

0.70%

$50,000

24 Month

Credit Union

1.06x (National Avg. - 0.66%)

$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 CD

EVERENCE

0.40%

$50,000

6 Month

Credit Union

0.99x (National Avg. - 0.41%)

$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

GREAT PLAINS

0.90%

$50,000

36 Month

Credit Union

1.19x (National Avg. - 0.75%)

$25,000

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

Planters Bank, Inc.

0.50%

$50,000

24 Month

Bank

0.76x (National Avg. - 0.66%)

$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

The Casey County Bank, Inc.

0.25%

$50,000

24 Month

Bank

0.38x (National Avg. - 0.66%)

$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

JEFFERSON FINANCIAL

1.51%

$50,000

60 Month

Credit Union

1.64x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	755	529
2	50,755	766	536
3	51,521	778	545
4	52,299	790	553
5	53,089	802	561
6	53,891	814	570
7	54,704	826	578
8	55,531	839	587
9	56,369	851	596
10	57,220	864	605
11	58,084	877	614
12	58,961	890	623
13	59,852	904	633
14	60,755	917	642
15	61,673	931	652
16	62,604	945	662
17	63,549	960	672
18	64,509	974	682
19	65,483	989	692
20	66,472	1,004	703
	TOTAL	$17,476	$12,233

LOCAL CD

Cambridge Savings Bank

0.75%

$50,000

24 Month

Bank

1.14x (National Avg. - 0.66%)

$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 CD

Cambridge Savings Bank

0.75%

$50,000

36 Month

Bank

0.99x (National Avg. - 0.75%)

$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

Cambridge Savings Bank

0.15%

$50,000

N.A.

Bank

0.20x (National Avg. - 0.75%)

$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

TEAM ONE

0.50%

$50,000

6 Month

Credit Union

1.23x (National Avg. - 0.41%)

$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

BNC National Bank

0.25%

$50,000

18 Month

Bank

0.43x (National Avg. - 0.58%)

$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

BNC National Bank

0.30%

$50,000

24 Month

Bank

0.45x (National Avg. - 0.66%)

$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

BNC National Bank

0.30%

$50,000

30 Month

Bank

N.A.

$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

BNC National Bank

0.45%

$50,000

48 Month

Bank

0.55x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

MAINSTREET

1.05%

$50,000

24 Month

Credit Union

1.59x (National Avg. - 0.66%)

$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 CD

MAINSTREET

1.20%

$50,000

48 Month

Credit Union

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

MAINSTREET

0.35%

$50,000

6 Month

Credit Union

0.86x (National Avg. - 0.41%)

$10,000

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

VISION FINANCIAL

0.30%

$50,000

6 Month

Credit Union

0.74x (National Avg. - 0.41%)

$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

Brunswick State Bank

1.26%

$50,000

48 Month

Bank

1.55x (National Avg. - 0.82%)

$1,000

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

Homestead Bank

1.10%

$50,000

48 Month

Bank

1.35x (National Avg. - 0.82%)

$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

Cornhusker Bank

0.75%

$50,000

24 Month

Bank

1.14x (National Avg. - 0.66%)

$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

Thayer County Bank

0.45%

$50,000

48 Month

Bank

0.55x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	225	158
2	50,225	226	158
3	50,451	227	159
4	50,678	228	160
5	50,906	229	160
6	51,135	230	161
7	51,365	231	162
8	51,596	232	163
9	51,829	233	163
10	52,062	234	164
11	52,296	235	165
12	52,531	236	165
13	52,768	237	166
14	53,005	239	167
15	53,244	240	168
16	53,483	241	168
17	53,724	242	169
18	53,966	243	170
19	54,209	244	171
20	54,453	245	172
	TOTAL	$4,698	$3,288

LOCAL CD

Primary Bank

2.27%

$50,000

48 Month

Bank

2.79x (National Avg. - 0.82%)

$1,000

SCENARIO

Year	Rate 2.27%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,135	795
2	51,135	1,161	813
3	52,296	1,187	831
4	53,483	1,214	850
5	54,697	1,242	869
6	55,939	1,270	889
7	57,208	1,299	909
8	58,507	1,328	930
9	59,835	1,358	951
10	61,193	1,389	972
11	62,582	1,421	994
12	64,003	1,453	1,017
13	65,456	1,486	1,040
14	66,942	1,520	1,064
15	68,461	1,554	1,088
16	70,015	1,589	1,113
17	71,605	1,625	1,138
18	73,230	1,662	1,164
19	74,893	1,700	1,190
20	76,593	1,739	1,217
	TOTAL	$28,331	$19,832

LOCAL CD

The Bank of Castile

0.30%

$50,000

18 Month

Bank

0.52x (National Avg. - 0.58%)

$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

The Luzerne Bank

0.03%

$50,000

12 Month

Bank

0.05x (National Avg. - 0.55%)

$10,000

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

The Luzerne Bank

0.04%

$50,000

18 Month

Bank

0.07x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.04%	Annual Interest	Annual Interest (After Tax)
1	50,000	20	14
2	50,020	20	14
3	50,040	20	14
4	50,060	20	14
5	50,080	20	14
6	50,100	20	14
7	50,120	20	14
8	50,140	20	14
9	50,160	20	14
10	50,180	20	14
11	50,200	20	14
12	50,220	20	14
13	50,241	20	14
14	50,261	20	14
15	50,281	20	14
16	50,301	20	14
17	50,321	20	14
18	50,341	20	14
19	50,361	20	14
20	50,381	20	14
	TOTAL	$402	$281

LOCAL CD

The Luzerne Bank

0.06%

$50,000

24 Month

Bank

0.09x (National Avg. - 0.66%)

$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

The Luzerne Bank

0.40%

$50,000

48 Month

Bank

0.49x (National Avg. - 0.82%)

$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 Luzerne Bank

0.20%

$50,000

60 Month

Bank

0.22x (National Avg. - 0.92%)

$10,000

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

ADVANTAGE FINANCIAL

0.40%

$50,000

12 Month

Credit Union

0.72x (National Avg. - 0.55%)

$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

ADVANTAGE FINANCIAL

0.35%

$50,000

6 Month

Credit Union

0.86x (National Avg. - 0.41%)

$10,000

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

HOUSTON

1.12%

$50,000

24 Month

Credit Union

1.70x (National Avg. - 0.66%)

$100,000

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

HOUSTON

1.20%

$50,000

48 Month

Credit Union

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

SECURED ADVANTAGE

0.35%

$50,000

6 Month

Credit Union

0.86x (National Avg. - 0.41%)

$10,000

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

SYNERGY

0.55%

$50,000

6 Month

Credit Union

1.35x (National Avg. - 0.41%)

$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

TEXAS BAY

0.75%

$50,000

36 Month

Credit Union

0.99x (National Avg. - 0.75%)

$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 CD

ADVIA

0.50%

$50,000

30 Month

Credit Union

N.A.

$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

ADVIA

0.40%

$50,000

48 Month

Credit Union

0.49x (National Avg. - 0.82%)

$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

ADVIA

0.55%

$50,000

60 Month

Credit Union

0.60x (National Avg. - 0.92%)

$100,000

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 MONEY MARKET

ADVIA

0.20%

$50,000

N.A.

Credit Union

0.22x (National Avg. - 0.92%)

$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 MONEY MARKET

ATLANTIC CITY

0.10%

$50,000

N.A.

Credit Union

0.11x (National Avg. - 0.92%)

$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

RELIANT

1.06%

$50,000

30 Month

Credit Union

N.A.

$100,000

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

Peoples Security Bank and Trust Company

0.70%

$50,000

84 Month

Bank

N.A.

$1,000

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

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
My e-Banc, a division of Bradesco BAC Florida Bank	4.55%	$5,000	Learn More
Last change: ↑0.15% on March 22.
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.
Bread Savings, a division of Bread Financial	4.50%	$1,500	Learn More
Last change: ↓0.15% on January 25.
Goldman Sachs Bank	4.50%	$500	Learn More
Last change: ↓0.50% on February 25.

Compare Savings vs. CDs Comparison of Deposit Account from BNC National Bank with 0.30% - April 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from BNC National Bank with 0.30% - April 2025