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Comparison of Deposit Account from Capitol Federal Savings Bank with 4.30% - April 2025

Long-Term Analysis of Farmers and Merchants Bank with 3.80% APY and Peoples Bank with 0.20% APY and Capitol Federal Savings Bank with 4.30% APY and Centier Bank with 5.15% 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

Farmers and Merchants Bank

3.80%

$50,000

6 Month

Bank

9.36x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 3.80%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,900	1,330
2	51,900	1,972	1,381
3	53,872	2,047	1,433
4	55,919	2,125	1,487
5	58,044	2,206	1,544
6	60,250	2,289	1,603
7	62,539	2,376	1,664
8	64,916	2,467	1,727
9	67,383	2,561	1,792
10	69,943	2,658	1,860
11	72,601	2,759	1,931
12	75,360	2,864	2,005
13	78,224	2,972	2,081
14	81,196	3,085	2,160
15	84,282	3,203	2,242
16	87,484	3,324	2,327
17	90,809	3,451	2,416
18	94,259	3,582	2,507
19	97,841	3,718	2,603
20	101,559	3,859	2,701
	TOTAL	$55,419	$38,793

LOCAL CD

Peoples Bank

0.20%

$50,000

12 Month

Bank

0.36x (National Avg. - 0.55%)

$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

Capitol Federal Savings Bank

4.30%

$50,000

8 Month

Bank

N.A.

$1,000

SCENARIO

Year	Rate 4.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,150	1,505
2	52,150	2,242	1,570
3	54,392	2,339	1,637
4	56,731	2,439	1,708
5	59,171	2,544	1,781
6	61,715	2,654	1,858
7	64,369	2,768	1,938
8	67,137	2,887	2,021
9	70,024	3,011	2,108
10	73,035	3,140	2,198
11	76,175	3,276	2,293
12	79,451	3,416	2,391
13	82,867	3,563	2,494
14	86,430	3,717	2,602
15	90,147	3,876	2,713
16	94,023	4,043	2,830
17	98,066	4,217	2,952
18	102,283	4,398	3,079
19	106,681	4,587	3,211
20	111,268	4,785	3,349
	TOTAL	$66,053	$46,237

LOCAL CD

Centier Bank

5.15%

$50,000

11 Month

Bank

N.A.

$1,000

SCENARIO

Year	Rate 5.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,575	1,803
2	52,575	2,708	1,895
3	55,283	2,847	1,993
4	58,130	2,994	2,096
5	61,123	3,148	2,203
6	64,271	3,310	2,317
7	67,581	3,480	2,436
8	71,062	3,660	2,562
9	74,721	3,848	2,694
10	78,569	4,046	2,832
11	82,616	4,255	2,978
12	86,870	4,474	3,132
13	91,344	4,704	3,293
14	96,049	4,946	3,463
15	100,995	5,201	3,641
16	106,196	5,469	3,828
17	111,665	5,751	4,026
18	117,416	6,047	4,233
19	123,463	6,358	4,451
20	129,821	6,686	4,680
	TOTAL	$86,507	$60,555

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%	$50,000	Learn More
Last change: ↓0.10% on February 9. 6 Month Jumbo CD.
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.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.

Compare Savings vs. CDs Comparison of Deposit Account from Capitol Federal Savings Bank with 4.30% - April 2025

Long-Term Analysis of Farmers and Merchants Bank with 3.80% APY and Peoples Bank with 0.20% APY and Capitol Federal Savings Bank with 4.30% APY and Centier Bank with 5.15% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Capitol Federal Savings Bank with 4.30% - April 2025