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Compare Savings vs. CDs
Comparison of Deposit Account from Chain Bridge Bank, National Association with 0.07% - April 2025


Long-Term Analysis of FINANCIAL RESOURCES with 1.51% APY and AMERICU with 0.05% APY and Bristol County Savings Bank with 3.43% APY and Community Bank and Trust - Alabama with 0.15% APY and Central State Bank with 0.15% APY and Millennial Bank with 0.15% APY and PEN AIR with 2.60% APY and Bank of the West with 0.40% APY and HONDA with 0.65% APY and Independent Bank with 0.75% APY and The Merchants & Citizens Bank with 0.20% APY and Citizens Savings Bank with 0.90% APY and Hardin County Savings Bank with 0.90% APY and CONSUMERS COOPERATIVE with 0.05% APY and The Peoples State Bank with 0.30% APY and Capitol Federal Savings Bank with 3.50% APY and Capitol Federal Savings Bank with 3.25% APY and LOUISIANA with 1.46% APY and Auburn Savings Bank, FSB with 1.00% APY and Piedmont Federal Savings Bank with 0.55% APY and Gate City Bank with 0.75% APY and POLISH & SLAVIC with 3.50% APY and SIDNEY with 0.15% APY and Ridgewood Savings Bank with 3.35% APY and GOLDEN CIRCLE with 0.25% APY and First Federal Bank with 0.12% APY and INSOUTH Bank with 0.15% APY and Independent Bank with 0.10% APY and Independent Bank with 0.15% APY and First Federal Bank Littlefield, Texas with 0.65% APY and Industry State Bank with 1.16% APY and Capital Community Bank with 0.65% APY and Chain Bridge Bank, National Association with 0.07% APY and Peoples State Bank with 0.40% APY and Marathon Bank with 0.75% APY and Athol Savings Bank with 0.15% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL SAVINGS
    FINANCIAL RESOURCES
    1.51%
    -
    $50,000
    N.A.
    Credit Union
    6.71x (National Avg. - 0.23%)
    $10,000
     
    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
  • 2
    LOCAL SAVINGS
    AMERICU
    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
  • 3
    LOCAL CD
    Bristol County Savings Bank
    3.43%
    -
    $50,000
    6 Month
    Bank
    8.45x (National Avg. - 0.41%)
    $5,000
     
    SCENARIO
    Year Rate
    3.43%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,715 1,201
    2 51,715 1,774 1,242
    3 53,489 1,835 1,284
    4 55,323 1,898 1,328
    5 57,221 1,963 1,374
    6 59,184 2,030 1,421
    7 61,214 2,100 1,470
    8 63,313 2,172 1,520
    9 65,485 2,246 1,572
    10 67,731 2,323 1,626
    11 70,054 2,403 1,682
    12 72,457 2,485 1,740
    13 74,943 2,571 1,799
    14 77,513 2,659 1,861
    15 80,172 2,750 1,925
    16 82,922 2,844 1,991
    17 85,766 2,942 2,059
    18 88,708 3,043 2,130
    19 91,750 3,147 2,203
    20 94,897 3,255 2,278
    TOTAL $48,152 $33,707
  • 4
    LOCAL MONEY MARKET
    Community Bank and Trust - Alabama
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.37x (National Avg. - 0.41%)
    $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
  • 5
    LOCAL CD
    Central State Bank
    0.15%
    -
    $50,000
    6 Month
    Bank
    0.37x (National Avg. - 0.41%)
    $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
  • 6
    LOCAL MONEY MARKET
    Millennial Bank
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.37x (National Avg. - 0.41%)
    $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
  • 7
    LOCAL CD
    PEN AIR
    2.60%
    -
    $50,000
    18 Month
    Credit Union
    4.48x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    2.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,300 910
    2 51,300 1,334 934
    3 52,634 1,368 958
    4 54,002 1,404 983
    5 55,406 1,441 1,008
    6 56,847 1,478 1,035
    7 58,325 1,516 1,062
    8 59,841 1,556 1,089
    9 61,397 1,596 1,117
    10 62,994 1,638 1,146
    11 64,631 1,680 1,176
    12 66,312 1,724 1,207
    13 68,036 1,769 1,238
    14 69,805 1,815 1,270
    15 71,620 1,862 1,303
    16 73,482 1,911 1,337
    17 75,392 1,960 1,372
    18 77,353 2,011 1,408
    19 79,364 2,063 1,444
    20 81,427 2,117 1,482
    TOTAL $33,544 $23,481
  • 8
    LOCAL CD
    Bank of the West
    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
  • 9
    LOCAL CD
    HONDA
    0.65%
    -
    $50,000
    6 Month
    Credit Union
    1.60x (National Avg. - 0.41%)
    $10,000
     
    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
  • 10
    LOCAL CD
    Independent Bank
    0.75%
    -
    $50,000
    36 Month
    Bank
    0.99x (National Avg. - 0.75%)
    $1,000
     
    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
  • 11
    LOCAL MONEY MARKET
    The Merchants & Citizens Bank
    0.20%
    -
    $50,000
    N.A.
    Bank
    0.27x (National Avg. - 0.75%)
    $25,000
     
    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
  • 12
    LOCAL CD
    Citizens Savings Bank
    0.90%
    -
    $50,000
    12 Month
    Bank
    1.63x (National Avg. - 0.55%)
    $100,000
     
    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
  • 13
    LOCAL CD
    Hardin County Savings Bank
    0.90%
    -
    $50,000
    12 Month
    Bank
    1.63x (National Avg. - 0.55%)
    $100,000
     
    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
  • 14
    LOCAL SAVINGS
    CONSUMERS COOPERATIVE
    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
  • 15
    LOCAL CD
    The Peoples State 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
  • 16
    LOCAL CD
    Capitol Federal Savings Bank
    3.50%
    -
    $50,000
    24 Month
    Bank
    5.30x (National Avg. - 0.66%)
    $1,000
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 17
    LOCAL CD
    Capitol Federal Savings Bank
    3.25%
    -
    $50,000
    36 Month
    Bank
    4.31x (National Avg. - 0.75%)
    $1,000
     
    SCENARIO
    Year Rate
    3.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,625 1,138
    2 51,625 1,678 1,174
    3 53,303 1,732 1,213
    4 55,035 1,789 1,252
    5 56,824 1,847 1,293
    6 58,671 1,907 1,335
    7 60,577 1,969 1,378
    8 62,546 2,033 1,423
    9 64,579 2,099 1,469
    10 66,678 2,167 1,517
    11 68,845 2,237 1,566
    12 71,082 2,310 1,617
    13 73,392 2,385 1,670
    14 75,778 2,463 1,724
    15 78,240 2,543 1,780
    16 80,783 2,625 1,838
    17 83,409 2,711 1,898
    18 86,119 2,799 1,959
    19 88,918 2,890 2,023
    20 91,808 2,984 2,089
    TOTAL $44,792 $31,354
  • 18
    LOCAL CD
    LOUISIANA
    1.46%
    -
    $50,000
    36 Month
    Credit Union
    1.94x (National Avg. - 0.75%)
    $10,000
     
    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
  • 19
    LOCAL CD
    Auburn Savings Bank, FSB
    1.00%
    -
    $50,000
    60 Month
    Bank
    1.09x (National Avg. - 0.92%)
    $10,000
     
    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
  • 20
    LOCAL CD
    Piedmont Federal Savings Bank
    0.55%
    -
    $50,000
    18 Month
    Bank
    0.95x (National Avg. - 0.58%)
    $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
  • 21
    LOCAL CD
    Gate City Bank
    0.75%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $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
  • 22
    LOCAL CD
    POLISH & SLAVIC
    3.50%
    -
    $50,000
    24 Month
    Credit Union
    5.30x (National Avg. - 0.66%)
    $90,000
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 23
    LOCAL MONEY MARKET
    SIDNEY
    0.15%
    -
    $50,000
    N.A.
    Credit Union
    0.23x (National Avg. - 0.66%)
    $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
  • 24
    LOCAL CD
    Ridgewood Savings Bank
    3.35%
    -
    $50,000
    36 Month
    Bank
    4.44x (National Avg. - 0.75%)
    $100
     
    SCENARIO
    Year Rate
    3.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,675 1,173
    2 51,675 1,731 1,212
    3 53,406 1,789 1,252
    4 55,195 1,849 1,294
    5 57,044 1,911 1,338
    6 58,955 1,975 1,383
    7 60,930 2,041 1,429
    8 62,971 2,110 1,477
    9 65,081 2,180 1,526
    10 67,261 2,253 1,577
    11 69,514 2,329 1,630
    12 71,843 2,407 1,685
    13 74,250 2,487 1,741
    14 76,737 2,571 1,799
    15 79,308 2,657 1,860
    16 81,965 2,746 1,922
    17 84,711 2,838 1,986
    18 87,548 2,933 2,053
    19 90,481 3,031 2,122
    20 93,512 3,133 2,193
    TOTAL $46,645 $32,652
  • 25
    LOCAL CD
    GOLDEN CIRCLE
    0.25%
    -
    $50,000
    12 Month
    Credit Union
    0.45x (National Avg. - 0.55%)
    $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
  • 26
    LOCAL CD
    First Federal Bank
    0.12%
    -
    $50,000
    6 Month
    Bank
    0.30x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.12%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 60 42
    2 50,060 60 42
    3 50,120 60 42
    4 50,180 60 42
    5 50,240 60 42
    6 50,301 60 42
    7 50,361 60 42
    8 50,422 61 42
    9 50,482 61 42
    10 50,543 61 42
    11 50,603 61 43
    12 50,664 61 43
    13 50,725 61 43
    14 50,786 61 43
    15 50,847 61 43
    16 50,908 61 43
    17 50,969 61 43
    18 51,030 61 43
    19 51,091 61 43
    20 51,152 61 43
    TOTAL $1,214 $850
  • 27
    LOCAL MONEY MARKET
    INSOUTH Bank
    0.15%
    -
    $50,000
    N.A.
    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
  • 28
    LOCAL MONEY MARKET
    Independent Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.25x (National Avg. - 0.41%)
    $10,000
     
    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
  • 29
    LOCAL MONEY MARKET
    Independent Bank
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.37x (National Avg. - 0.41%)
    $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
  • 30
    LOCAL CD
    First Federal Bank Littlefield, Texas
    0.65%
    -
    $50,000
    60 Month
    Bank
    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
  • 31
    LOCAL CD
    Industry State Bank
    1.16%
    -
    $50,000
    36 Month
    Bank
    1.54x (National Avg. - 0.75%)
    $100,000
     
    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
  • 32
    LOCAL CD
    Capital Community Bank
    0.65%
    -
    $50,000
    6 Month
    Bank
    1.60x (National Avg. - 0.41%)
    $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
  • 33
    LOCAL CD
    Chain Bridge Bank, National Association
    0.07%
    -
    $50,000
    18 Month
    Bank
    0.12x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 35 25
    2 50,035 35 25
    3 50,070 35 25
    4 50,105 35 25
    5 50,140 35 25
    6 50,175 35 25
    7 50,210 35 25
    8 50,246 35 25
    9 50,281 35 25
    10 50,316 35 25
    11 50,351 35 25
    12 50,386 35 25
    13 50,422 35 25
    14 50,457 35 25
    15 50,492 35 25
    16 50,528 35 25
    17 50,563 35 25
    18 50,598 35 25
    19 50,634 35 25
    20 50,669 35 25
    TOTAL $705 $493
  • 34
    LOCAL CD
    Peoples State Bank
    0.40%
    -
    $50,000
    12 Month
    Bank
    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
  • 35
    LOCAL CD
    Marathon Bank
    0.75%
    -
    $50,000
    12 Month
    Bank
    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
  • 36
    LOCAL CD
    Athol Savings Bank
    0.15%
    -
    $50,000
    3 Month
    Bank
    0.07x (National Avg. - 2.20%)
    $500
     
    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

    All calculations are for demonstration purposes only.

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