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Comparison of Deposit Account from Citizens State Bank with 1.00% - April 2025

Long-Term Analysis of SKYLINE NATIONAL BANK with 0.25% APY and FREMONT with 0.15% APY and Bank of Bartlett with 0.10% APY and Bank of Bartlett with 0.50% APY and First Community Bank with 0.50% APY and BankIowa of Cedar Rapids with 0.39% APY and The First National Bank & Trust Company of Iron Mountain with 0.15% APY and The Apple Creek Banking Company with 0.30% APY and Unison Bank with 0.40% APY and Herring Bank with 0.85% APY and 1st State Bank with 0.35% APY and Great Plains State Bank with 0.90% APY and Lake Shore Savings Bank with 0.50% APY and First Citizens Community Bank with 0.20% APY and Transpecos Banks, SSB with 0.40% APY and Transpecos Banks, SSB with 0.90% APY and Freedom Bank with 1.26% APY and Columbia State Bank with 0.05% APY and Union State Bank with 0.75% APY and TELCOE with 0.85% APY and ALTRA with 0.20% APY and MIL-WAY with 0.10% APY and Johnson Bank with 3.50% APY and DEER VALLEY with 0.20% APY and First Savings Bank with 0.65% APY and First Federal Savings and Loan Association of San Rafael with 0.40% APY and Metropolitan Bank with 0.25% APY and The Bank of Hemet with 0.40% APY and The Bank of Hemet with 0.40% APY and Ion Bank with 0.50% APY and Ion Bank with 0.15% APY and Ion Bank with 0.15% APY and PeoplesBank with 0.05% APY and DELAWARE ALLIANCE with 0.25% APY and Millennium Bank with 0.40% APY and Citizens First Bank with 1.77% APY and Beal Bank with 4.20% APY and ServisFirst Bank with 0.71% APY and First National Bank of Wauchula with 1.11% APY and First American Bank with 0.35% APY and First American Bank with 0.70% APY and Great Oaks Bank with 0.50% APY and Wallis Bank with 0.85% APY and Oconee Federal Savings and Loan Association with 0.05% APY and CoastalStates Bank with 0.80% APY and First Horizon Bank with 0.70% APY and MEMBERS1ST COMMUNITY with 0.50% APY and ASCENTRA with 0.85% APY and Columbia State Bank with 0.01% APY and ASCENTRA with 0.85% APY and STAR Financial Bank with 0.01% APY and State Bank of Medora with 2.22% APY and Bank of Commerce and Trust Company with 0.60% APY and KEMBA with 0.70% APY and Citizens Commerce Bank with 0.75% APY and CARTER with 1.30% APY and CAMPUS with 1.15% APY and Gibsland Bank & Trust Company with 0.15% APY and Progressive National Bank with 0.25% APY and Homeland Federal Savings Bank with 0.10% APY and Citizens Savings Bank with 0.05% APY and ASCENSION with 1.56% APY and MountainOne Bank with 0.25% APY and Lee Bank with 2.00% APY and Athol Savings Bank with 0.50% APY and Athol Savings Bank with 0.75% APY and Dean Co-operative Bank with 0.50% APY and Bank of Easton with 4.50% APY and Bath Savings Institution with 0.25% APY and Bath Savings Institution with 0.30% APY and Bath Savings Institution with 0.35% APY and The Citizens State Bank of Ontonagon with 0.40% APY and TRUNORTH with 0.85% APY and TRUNORTH with 0.20% APY and DELTA COUNTY with 1.31% APY and Alden State Bank with 0.40% APY and Alden State Bank with 0.20% APY and CREDIT UNION ONE with 0.05% APY and TEAM ONE with 1.00% APY and TEAM ONE with 1.45% APY and The State Bank with 0.10% APY and The State Bank with 0.15% APY and The State Bank with 0.35% APY and The State Bank with 0.35% APY and Blissfield State Bank with 0.85% APY and RIVERLAND with 0.85% APY and First State Bank with 0.85% APY and Glacier Bank with 0.50% APY and The First State Bank of Shelby with 0.45% APY and Pinnacle Bank with 0.30% APY and Pinnacle Bank with 0.50% APY and The Tri-County Bank with 0.85% APY and FirsTier Bank with 0.80% APY and FirsTier Bank with 0.25% APY and FirsTier Bank with 0.05% APY and FirsTier Bank with 0.10% APY and Bank of Clarks with 0.10% APY and Homestead Bank with 0.60% APY and First Savings Bank with 0.40% APY and UNION PACIFIC STREAMLINER with 0.05% APY and Eastern Bank with 0.10% APY and L'OREAL USA with 0.30% APY and WHITE SANDS with 1.16% APY and First Savings Bank with 0.20% APY and Meadows Bank with 0.50% APY and Pioneer Bank with 1.00% APY and First National Bank of Scotia with 1.01% APY and PARTNERS 1ST with 0.15% APY and Wayne Bank with 0.10% APY and Wayne Bank with 0.10% APY and Ulster Savings Bank with 1.15% APY and Bank of Millbrook with 0.80% APY and Apple Bank for Savings with 3.25% APY and Ridgewood Savings Bank with 3.55% APY and Cross County Savings Bank with 3.45% APY and The Marblehead Bank with 0.48% APY and Woodsfield Savings Bank with 0.15% APY and First Merchants Bank with 0.50% APY and Cornerstone Bank with 0.50% APY and Cornerstone Bank with 0.60% APY and Cornerstone Bank with 0.70% APY and Cornerstone Bank with 0.15% APY and Cornerstone Bank with 0.15% APY and InterBank with 0.50% APY and LINN - CO with 0.35% APY and Wayne Bank with 0.20% APY and Wayne Bank with 0.80% APY and York Traditions Bank with 0.10% APY and Synovus Bank with 0.45% APY and First Savings Bank with 1.00% APY and Cornerstone Bank with 1.00% APY and Pinnacle Bank with 0.35% APY and Pinnacle Bank with 0.40% APY and Pinnacle Bank with 0.50% APY and Pinnacle Bank with 0.05% APY and First Freedom Bank with 0.50% APY and First Freedom Bank with 0.90% APY and ServisFirst Bank with 0.71% APY and LISTERHILL with 3.50% APY and Herring Bank with 0.40% APY and Herring Bank with 0.45% APY and Herring Bank with 0.70% APY and Herring Bank with 0.10% APY and The Donley County State Bank with 1.00% APY and The First National Bank of Quitaque with 0.30% APY and Texas Bank with 3.35% APY and Texas Bank with 0.50% APY and Texas Bank with 0.50% APY and TEXAS TRUST with 3.40% APY and NBH Bank with 0.15% APY and The First National Bank of East Texas with 0.10% APY and WHITE SANDS with 1.11% APY and WHITE SANDS with 1.46% APY and EDUCATORS with 1.31% APY and Shelby Savings Bank, SSB with 0.75% APY and First State Bank and Trust Company with 0.40% APY and Dominion Bank with 0.25% APY and GENCO with 1.26% APY and International Bank of Commerce with 0.20% APY and The Hondo National Bank with 0.35% APY and Anthem Bank & Trust with 0.10% APY and Citizens State Bank with 1.00% APY and Commerce Bank Texas with 0.95% APY and CY-FAIR with 0.10% APY and The First National Bank of Hebbronville with 1.11% APY and JORDAN with 1.00% APY and Oak View National Bank with 0.40% APY and Farmers and Miners Bank with 0.20% APY and Bank of the Pacific with 0.75% APY and Timberland Bank with 0.45% APY and MEADOWLAND with 0.10% APY and Old National Bank with 0.30% APY and THRIVENT with 0.10% APY and Brilliant Bank, a division of Equity Bank with 4.35% APY and INROADS with 0.99% APY and INROADS with 0.99% APY and INROADS with 0.77% APY and INROADS with 0.63% APY and Seattle Bank with 3.80% APY and RADIANT with 4.08% APY and ASSOCIATED CREDIT UNION with 0.40% APY and Johnson Bank with 3.65% APY and Johnson Bank with 3.76% APY and First Hawaiian Bank with 4.00% APY and First Hawaiian Bank with 3.00% APY and Seamen's Bank with 3.60% APY and Santander Bank, N.A. with 3.25% 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

SKYLINE NATIONAL BANK

0.25%

$50,000

6 Month

Bank

0.62x (National Avg. - 0.41%)

$2,500

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

FREMONT

0.15%

$50,000

12 Month

Credit Union

0.27x (National Avg. - 0.55%)

$1,000

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 Bartlett

0.10%

$50,000

6 Month

Bank

0.25x (National Avg. - 0.41%)

$1,000

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

LOCAL CD

Bank of Bartlett

0.50%

$50,000

60 Month

Bank

0.54x (National Avg. - 0.92%)

$1,000

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

First Community Bank

0.50%

$50,000

36 Month

Bank

0.66x (National Avg. - 0.75%)

$1,000

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

BankIowa of Cedar Rapids

0.39%

$50,000

18 Month

Bank

0.67x (National Avg. - 0.58%)

$500

SCENARIO

Year	Rate 0.39%	Annual Interest	Annual Interest (After Tax)
1	50,000	195	137
2	50,195	196	137
3	50,391	197	138
4	50,587	197	138
5	50,785	198	139
6	50,983	199	139
7	51,181	200	140
8	51,381	200	140
9	51,581	201	141
10	51,783	202	141
11	51,985	203	142
12	52,187	204	142
13	52,391	204	143
14	52,595	205	144
15	52,800	206	144
16	53,006	207	145
17	53,213	208	145
18	53,420	208	146
19	53,629	209	146
20	53,838	210	147
	TOTAL	$4,048	$2,834

LOCAL CD

The First National Bank & Trust Company of Iron Mountain

0.15%

$50,000

6 Month

Bank

0.37x (National Avg. - 0.41%)

$1,000

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

The Apple Creek Banking Company

0.30%

$50,000

6 Month

Bank

0.74x (National Avg. - 0.41%)

$500

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

Unison Bank

0.40%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.58%)

$500

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

Herring Bank

0.85%

$50,000

60 Month

Bank

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 CD

1st State Bank

0.35%

$50,000

36 Month

Bank

0.46x (National Avg. - 0.75%)

$500

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

Great Plains State Bank

0.90%

$50,000

60 Month

Bank

0.98x (National Avg. - 0.92%)

$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

LOCAL CD

Lake Shore Savings Bank

0.50%

$50,000

60 Month

Bank

0.54x (National Avg. - 0.92%)

$500

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 MONEY MARKET

First Citizens Community Bank

0.20%

$50,000

N.A.

Bank

0.22x (National Avg. - 0.92%)

$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

LOCAL CD

Transpecos Banks, SSB

0.40%

$50,000

36 Month

Bank

0.53x (National Avg. - 0.75%)

$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

Transpecos Banks, SSB

0.90%

$50,000

60 Month

Bank

0.98x (National Avg. - 0.92%)

$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

LOCAL CD

Freedom Bank

1.26%

$50,000

60 Month

Bank

1.37x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	629	440
2	50,629	636	445
3	51,265	644	451
4	51,909	652	457
5	52,562	661	462
6	53,223	669	468
7	53,892	677	474
8	54,569	686	480
9	55,255	695	486
10	55,949	703	492
11	56,653	712	498
12	57,365	721	505
13	58,086	730	511
14	58,816	739	518
15	59,555	749	524
16	60,304	758	531
17	61,062	768	537
18	61,830	777	544
19	62,607	787	551
20	63,394	797	558
	TOTAL	$14,191	$9,933

LOCAL CD

Columbia State Bank

0.05%

$50,000

6 Month

Bank

0.12x (National Avg. - 0.41%)

$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 CD

Union State Bank

0.75%

$50,000

6 Month

Bank

1.85x (National Avg. - 0.41%)

$500

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

TELCOE

0.85%

$50,000

48 Month

Credit Union

1.04x (National Avg. - 0.82%)

$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

ALTRA

0.20%

$50,000

N.A.

Credit Union

0.25x (National Avg. - 0.82%)

$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

LOCAL SAVINGS

MIL-WAY

0.10%

$50,000

N.A.

Credit Union

0.44x (National Avg. - 0.23%)

$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

Johnson Bank

3.50%

$50,000

60 Month

Bank

3.81x (National Avg. - 0.92%)

$2,000

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

LOCAL CD

DEER VALLEY

0.20%

$50,000

6 Month

Credit Union

0.49x (National Avg. - 0.41%)

$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

First Savings Bank

0.65%

$50,000

36 Month

Bank

0.86x (National Avg. - 0.75%)

$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

LOCAL CD

First Federal Savings and Loan Association of San Rafael

0.40%

$50,000

6 Month

Bank

0.99x (National Avg. - 0.41%)

$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

Metropolitan Bank

0.25%

$50,000

6 Month

Bank

0.62x (National Avg. - 0.41%)

$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

The Bank of Hemet

0.40%

$50,000

24 Month

Bank

0.61x (National Avg. - 0.66%)

$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

The Bank of Hemet

0.40%

$50,000

30 Month

Bank

N.A.

$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

Ion Bank

0.50%

$50,000

30 Month

Bank

N.A.

$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

Ion 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

Ion 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

LOCAL MONEY MARKET

PeoplesBank

0.05%

$50,000

N.A.

Bank

0.12x (National Avg. - 0.41%)

$10

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 CD

DELAWARE ALLIANCE

0.25%

$50,000

6 Month

Credit Union

0.62x (National Avg. - 0.41%)

$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

Millennium Bank

0.40%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.58%)

$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

Citizens First Bank

1.77%

$50,000

18 Month

Bank

3.05x (National Avg. - 0.58%)

$2,500

SCENARIO

Year	Rate 1.77%	Annual Interest	Annual Interest (After Tax)
1	50,000	885	620
2	50,885	901	630
3	51,786	917	642
4	52,702	933	653
5	53,635	949	665
6	54,584	966	676
7	55,551	983	688
8	56,534	1,001	700
9	57,534	1,018	713
10	58,553	1,036	725
11	59,589	1,055	738
12	60,644	1,073	751
13	61,717	1,092	765
14	62,810	1,112	778
15	63,921	1,131	792
16	65,053	1,151	806
17	66,204	1,172	820
18	67,376	1,193	835
19	68,569	1,214	850
20	69,782	1,235	865
	TOTAL	$21,018	$14,712

LOCAL CD

Beal Bank

4.20%

$50,000

18 Month

Bank

7.24x (National Avg. - 0.58%)

$1,000

SCENARIO

Year	Rate 4.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,100	1,470
2	52,100	2,188	1,532
3	54,288	2,280	1,596
4	56,568	2,376	1,663
5	58,944	2,476	1,733
6	61,420	2,580	1,806
7	63,999	2,688	1,882
8	66,687	2,801	1,961
9	69,488	2,919	2,043
10	72,407	3,041	2,129
11	75,448	3,169	2,218
12	78,617	3,302	2,311
13	81,919	3,441	2,408
14	85,359	3,585	2,510
15	88,944	3,736	2,615
16	92,680	3,893	2,725
17	96,573	4,056	2,839
18	100,629	4,226	2,958
19	104,855	4,404	3,083
20	109,259	4,589	3,212
	TOTAL	$63,848	$44,693

LOCAL CD

ServisFirst Bank

0.71%

$50,000

18 Month

Bank

1.22x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 0.71%	Annual Interest	Annual Interest (After Tax)
1	50,000	355	249
2	50,355	358	250
3	50,713	360	252
4	51,073	363	254
5	51,435	365	256
6	51,800	368	257
7	52,168	370	259
8	52,539	373	261
9	52,912	376	263
10	53,287	378	265
11	53,666	381	267
12	54,047	384	269
13	54,430	386	271
14	54,817	389	272
15	55,206	392	274
16	55,598	395	276
17	55,993	398	278
18	56,390	400	280
19	56,791	403	282
20	57,194	406	284
	TOTAL	$7,600	$5,320

LOCAL CD

First National Bank of Wauchula

1.11%

$50,000

60 Month

Bank

1.21x (National Avg. - 0.92%)

$100,000

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

First American Bank

0.35%

$50,000

18 Month

Bank

0.60x (National Avg. - 0.58%)

$100,000

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

First American Bank

0.70%

$50,000

60 Month

Bank

0.76x (National Avg. - 0.92%)

$10,000

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

Great Oaks Bank

0.50%

$50,000

60 Month

Bank

0.54x (National Avg. - 0.92%)

$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

Wallis Bank

0.85%

$50,000

36 Month

Bank

1.13x (National Avg. - 0.75%)

$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 SAVINGS

Oconee Federal Savings and Loan Association

0.05%

$50,000

N.A.

Bank

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

LOCAL CD

CoastalStates 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 MONEY MARKET

First Horizon Bank

0.70%

$50,000

N.A.

Bank

0.93x (National Avg. - 0.75%)

$50,000

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

MEMBERS1ST COMMUNITY

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

ASCENTRA

0.85%

$50,000

12 Month

Credit Union

1.54x (National Avg. - 0.55%)

$100,000

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

Columbia State Bank

0.01%

$50,000

N.A.

Bank

0.02x (National Avg. - 0.55%)

$2,500

SCENARIO

Year	Rate 0.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	5	4
2	50,005	5	4
3	50,010	5	4
4	50,015	5	4
5	50,020	5	4
6	50,025	5	4
7	50,030	5	4
8	50,035	5	4
9	50,040	5	4
10	50,045	5	4
11	50,050	5	4
12	50,055	5	4
13	50,060	5	4
14	50,065	5	4
15	50,070	5	4
16	50,075	5	4
17	50,080	5	4
18	50,085	5	4
19	50,090	5	4
20	50,095	5	4
	TOTAL	$100	$70

LOCAL CD

ASCENTRA

0.85%

$50,000

18 Month

Credit Union

1.47x (National Avg. - 0.58%)

$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

STAR Financial Bank

0.01%

$50,000

N.A.

Bank

0.02x (National Avg. - 0.58%)

$2,500

SCENARIO

Year	Rate 0.01%	Annual Interest	Annual Interest (After Tax)
1	50,000	5	4
2	50,005	5	4
3	50,010	5	4
4	50,015	5	4
5	50,020	5	4
6	50,025	5	4
7	50,030	5	4
8	50,035	5	4
9	50,040	5	4
10	50,045	5	4
11	50,050	5	4
12	50,055	5	4
13	50,060	5	4
14	50,065	5	4
15	50,070	5	4
16	50,075	5	4
17	50,080	5	4
18	50,085	5	4
19	50,090	5	4
20	50,095	5	4
	TOTAL	$100	$70

LOCAL CD

State Bank of Medora

2.22%

$50,000

12 Month

Bank

4.02x (National Avg. - 0.55%)

$500

SCENARIO

Year	Rate 2.22%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,110	777
2	51,110	1,135	794
3	52,245	1,160	812
4	53,404	1,186	830
5	54,590	1,212	848
6	55,802	1,239	867
7	57,041	1,266	886
8	58,307	1,294	906
9	59,601	1,323	926
10	60,925	1,353	947
11	62,277	1,383	968
12	63,660	1,413	989
13	65,073	1,445	1,011
14	66,518	1,477	1,034
15	67,994	1,509	1,057
16	69,504	1,543	1,080
17	71,047	1,577	1,104
18	72,624	1,612	1,129
19	74,236	1,648	1,154
20	75,884	1,685	1,179
	TOTAL	$27,569	$19,298

LOCAL CD

Bank of Commerce and Trust Company

0.60%

$50,000

12 Month

Bank

1.09x (National Avg. - 0.55%)

$50,000

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 MONEY MARKET

KEMBA

0.70%

$50,000

N.A.

Credit Union

1.27x (National Avg. - 0.55%)

$2,500

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

Citizens Commerce Bank

0.75%

$50,000

36 Month

Bank

0.99x (National Avg. - 0.75%)

$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

CARTER

1.30%

$50,000

24 Month

Credit Union

1.97x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 1.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	650	455
2	50,650	658	461
3	51,308	667	467
4	51,975	676	473
5	52,651	684	479
6	53,336	693	485
7	54,029	702	492
8	54,731	712	498
9	55,443	721	505
10	56,164	730	511
11	56,894	740	518
12	57,633	749	524
13	58,383	759	531
14	59,142	769	538
15	59,910	779	545
16	60,689	789	552
17	61,478	799	559
18	62,277	810	567
19	63,087	820	574
20	63,907	831	582
	TOTAL	$14,738	$10,317

LOCAL CD

CAMPUS

1.15%

$50,000

48 Month

Credit Union

1.41x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

LOCAL MONEY MARKET

Gibsland Bank & Trust Company

0.15%

$50,000

N.A.

Bank

0.18x (National Avg. - 0.82%)

$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 SAVINGS

Progressive National Bank

0.25%

$50,000

N.A.

Bank

1.11x (National Avg. - 0.23%)

$2,500

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 SAVINGS

Homeland Federal Savings Bank

0.10%

$50,000

N.A.

Bank

0.44x (National Avg. - 0.23%)

$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 MONEY MARKET

Citizens Savings Bank

0.05%

$50,000

N.A.

Bank

0.22x (National Avg. - 0.23%)

$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 CD

ASCENSION

1.56%

$50,000

48 Month

Credit Union

1.92x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.56%	Annual Interest	Annual Interest (After Tax)
1	50,000	781	546
2	50,781	793	555
3	51,573	805	564
4	52,378	818	572
5	53,196	830	581
6	54,026	843	590
7	54,870	857	600
8	55,726	870	609
9	56,596	883	618
10	57,479	897	628
11	58,377	911	638
12	59,288	925	648
13	60,213	940	658
14	61,153	955	668
15	62,108	970	679
16	63,078	985	689
17	64,062	1,000	700
18	65,062	1,016	711
19	66,078	1,031	722
20	67,109	1,048	733
	TOTAL	$18,157	$12,710

LOCAL CD

MountainOne Bank

0.25%

$50,000

6 Month

Bank

0.62x (National Avg. - 0.41%)

$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

Lee Bank

2.00%

$50,000

6 Month

Bank

4.93x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 2.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,000	700
2	51,000	1,020	714
3	52,020	1,040	728
4	53,060	1,061	743
5	54,122	1,082	758
6	55,204	1,104	773
7	56,308	1,126	788
8	57,434	1,149	804
9	58,583	1,172	820
10	59,755	1,195	837
11	60,950	1,219	853
12	62,169	1,243	870
13	63,412	1,268	888
14	64,680	1,294	906
15	65,974	1,319	924
16	67,293	1,346	942
17	68,639	1,373	961
18	70,012	1,400	980
19	71,412	1,428	1,000
20	72,841	1,457	1,020
	TOTAL	$24,297	$17,008

LOCAL CD

Athol Savings Bank

0.50%

$50,000

24 Month

Bank

0.76x (National Avg. - 0.66%)

$500

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 MONEY MARKET

Athol Savings Bank

0.75%

$50,000

N.A.

Bank

1.14x (National Avg. - 0.66%)

$10

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

Dean Co-operative Bank

0.50%

$50,000

6 Month

Bank

1.23x (National Avg. - 0.41%)

$500

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

Bank of Easton

4.50%

$50,000

6 Month

Bank

11.08x (National Avg. - 0.41%)

$2,500

SCENARIO

Year	Rate 4.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,250	1,575
2	52,250	2,351	1,646
3	54,601	2,457	1,720
4	57,058	2,568	1,797
5	59,626	2,683	1,878
6	62,309	2,804	1,963
7	65,113	2,930	2,051
8	68,043	3,062	2,143
9	71,105	3,200	2,240
10	74,305	3,344	2,341
11	77,648	3,494	2,446
12	81,143	3,651	2,556
13	84,794	3,816	2,671
14	88,610	3,987	2,791
15	92,597	4,167	2,917
16	96,764	4,354	3,048
17	101,119	4,550	3,185
18	105,669	4,755	3,329
19	110,424	4,969	3,478
20	115,393	5,193	3,635
	TOTAL	$70,586	$49,410

LOCAL CD

Bath Savings Institution

0.25%

$50,000

24 Month

Bank

0.38x (National Avg. - 0.66%)

$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

Bath Savings Institution

0.30%

$50,000

30 Month

Bank

N.A.

$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

Bath Savings Institution

0.35%

$50,000

36 Month

Bank

0.46x (National Avg. - 0.75%)

$100,000

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

The Citizens State Bank of Ontonagon

0.40%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.58%)

$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

TRUNORTH

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

TRUNORTH

0.20%

$50,000

N.A.

Credit Union

0.22x (National Avg. - 0.92%)

$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

LOCAL CD

DELTA COUNTY

1.31%

$50,000

60 Month

Credit Union

1.43x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.31%	Annual Interest	Annual Interest (After Tax)
1	50,000	655	459
2	50,655	664	465
3	51,319	672	471
4	51,991	681	477
5	52,672	690	483
6	53,362	699	489
7	54,061	708	496
8	54,769	717	502
9	55,487	727	509
10	56,214	736	515
11	56,950	746	522
12	57,696	756	529
13	58,452	766	536
14	59,218	776	543
15	59,993	786	550
16	60,779	796	557
17	61,575	807	565
18	62,382	817	572
19	63,199	828	580
20	64,027	839	587
	TOTAL	$14,866	$10,406

LOCAL CD

Alden State Bank

0.40%

$50,000

30 Month

Bank

N.A.

$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

Alden State Bank

0.20%

$50,000

6 Month

Bank

0.49x (National Avg. - 0.41%)

$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 SAVINGS

CREDIT UNION ONE

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

LOCAL CD

TEAM ONE

1.00%

$50,000

30 Month

Credit Union

N.A.

$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

TEAM ONE

1.45%

$50,000

48 Month

Credit Union

1.78x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	725	508
2	50,725	736	515
3	51,461	746	522
4	52,207	757	530
5	52,964	768	538
6	53,732	779	545
7	54,511	790	553
8	55,301	802	561
9	56,103	813	569
10	56,917	825	578
11	57,742	837	586
12	58,579	849	595
13	59,428	862	603
14	60,290	874	612
15	61,164	887	621
16	62,051	900	630
17	62,951	913	639
18	63,864	926	648
19	64,790	939	658
20	65,729	953	667
	TOTAL	$16,682	$11,678

LOCAL CD

The State Bank

0.10%

$50,000

12 Month

Bank

0.18x (National Avg. - 0.55%)

$100,000

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

LOCAL CD

The State Bank

0.15%

$50,000

30 Month

Bank

N.A.

$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

The State Bank

0.35%

$50,000

36 Month

Bank

0.46x (National Avg. - 0.75%)

$100,000

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

The State Bank

0.35%

$50,000

48 Month

Bank

0.43x (National Avg. - 0.82%)

$100,000

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

Blissfield State Bank

0.85%

$50,000

60 Month

Bank

0.93x (National Avg. - 0.92%)

$1,000

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 CD

RIVERLAND

0.85%

$50,000

18 Month

Credit Union

1.47x (National Avg. - 0.58%)

$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 CD

First State Bank

0.85%

$50,000

30 Month

Bank

N.A.

$100,000

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 CD

Glacier Bank

0.50%

$50,000

60 Month

Bank

0.54x (National Avg. - 0.92%)

$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 First State Bank of Shelby

0.45%

$50,000

6 Month

Bank

1.11x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	226	158
2	50,226	227	159
3	50,452	228	159
4	50,680	229	160
5	50,908	230	161
6	51,138	231	161
7	51,368	232	162
8	51,600	233	163
9	51,833	234	164
10	52,067	235	164
11	52,301	236	165
12	52,537	237	166
13	52,774	238	167
14	53,012	239	167
15	53,251	240	168
16	53,491	241	169
17	53,733	242	170
18	53,975	243	170
19	54,218	245	171
20	54,463	246	172
	TOTAL	$4,709	$3,296

LOCAL CD

Pinnacle Bank

0.30%

$50,000

18 Month

Bank

0.52x (National Avg. - 0.58%)

$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

Pinnacle Bank

0.50%

$50,000

36 Month

Bank

0.66x (National Avg. - 0.75%)

$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

The Tri-County Bank

0.85%

$50,000

6 Month

Bank

2.09x (National Avg. - 0.41%)

$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 CD

FirsTier Bank

0.80%

$50,000

36 Month

Bank

1.06x (National Avg. - 0.75%)

$100,000

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

FirsTier Bank

0.25%

$50,000

6 Month

Bank

0.62x (National Avg. - 0.41%)

$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

FirsTier Bank

0.05%

$50,000

N.A.

Bank

0.12x (National Avg. - 0.41%)

$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

LOCAL SAVINGS

FirsTier Bank

0.10%

$50,000

N.A.

Bank

0.44x (National Avg. - 0.23%)

$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 MONEY MARKET

Bank of Clarks

0.10%

$50,000

N.A.

Bank

0.44x (National Avg. - 0.23%)

$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

Homestead Bank

0.60%

$50,000

18 Month

Bank

1.03x (National Avg. - 0.58%)

$100,000

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

First Savings Bank

0.40%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.58%)

$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

100

LOCAL MONEY MARKET

UNION PACIFIC STREAMLINER

0.05%

$50,000

N.A.

Credit Union

0.09x (National Avg. - 0.58%)

$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

101

LOCAL CD

Eastern Bank

0.10%

$50,000

18 Month

Bank

0.17x (National Avg. - 0.58%)

$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

102

LOCAL CD

L'OREAL USA

0.30%

$50,000

12 Month

Credit Union

0.54x (National Avg. - 0.55%)

$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

103

LOCAL CD

WHITE SANDS

1.16%

$50,000

36 Month

Credit Union

1.54x (National Avg. - 0.75%)

$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

104

LOCAL CD

First Savings Bank

0.20%

$50,000

6 Month

Bank

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

105

LOCAL CD

Meadows 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

106

LOCAL CD

Pioneer Bank

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

107

LOCAL MONEY MARKET

First National Bank of Scotia

1.01%

$50,000

N.A.

Bank

1.10x (National Avg. - 0.92%)

$100,000

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

108

LOCAL CD

PARTNERS 1ST

0.15%

$50,000

12 Month

Credit Union

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

109

LOCAL MONEY MARKET

Wayne Bank

0.10%

$50,000

N.A.

Bank

0.18x (National Avg. - 0.55%)

$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

110

LOCAL MONEY MARKET

Wayne Bank

0.10%

$50,000

N.A.

Bank

0.18x (National Avg. - 0.55%)

$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

111

LOCAL CD

Ulster Savings Bank

1.15%

$50,000

60 Month

Bank

1.25x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

112

LOCAL CD

Bank of Millbrook

0.80%

$50,000

60 Month

Bank

0.87x (National Avg. - 0.92%)

$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

113

LOCAL CD

Apple Bank for Savings

3.25%

$50,000

18 Month

Bank

5.60x (National Avg. - 0.58%)

$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

114

LOCAL CD

Ridgewood Savings Bank

3.55%

$50,000

18 Month

Bank

6.12x (National Avg. - 0.58%)

$100

SCENARIO

Year	Rate 3.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,775	1,243
2	51,775	1,838	1,287
3	53,613	1,903	1,332
4	55,516	1,971	1,380
5	57,487	2,041	1,429
6	59,528	2,113	1,479
7	61,641	2,188	1,532
8	63,829	2,266	1,586
9	66,095	2,346	1,642
10	68,442	2,430	1,701
11	70,871	2,516	1,761
12	73,387	2,605	1,824
13	75,993	2,698	1,888
14	78,690	2,794	1,955
15	81,484	2,893	2,025
16	84,377	2,995	2,097
17	87,372	3,102	2,171
18	90,474	3,212	2,248
19	93,685	3,326	2,328
20	97,011	3,444	2,411
	TOTAL	$50,455	$35,319

115

LOCAL CD

Cross County Savings Bank

3.45%

$50,000

36 Month

Bank

4.58x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 3.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,725	1,208
2	51,725	1,785	1,249
3	53,510	1,846	1,292
4	55,356	1,910	1,337
5	57,265	1,976	1,383
6	59,241	2,044	1,431
7	61,285	2,114	1,480
8	63,399	2,187	1,531
9	65,586	2,263	1,584
10	67,849	2,341	1,639
11	70,190	2,422	1,695
12	72,612	2,505	1,754
13	75,117	2,592	1,814
14	77,708	2,681	1,877
15	80,389	2,773	1,941
16	83,162	2,869	2,008
17	86,032	2,968	2,078
18	89,000	3,070	2,149
19	92,070	3,176	2,223
20	95,247	3,286	2,300
	TOTAL	$48,533	$33,973

116

LOCAL CD

The Marblehead Bank

0.48%

$50,000

36 Month

Bank

0.64x (National Avg. - 0.75%)

$25,000

SCENARIO

Year	Rate 0.48%	Annual Interest	Annual Interest (After Tax)
1	50,000	240	168
2	50,240	241	169
3	50,481	242	170
4	50,723	243	170
5	50,967	245	171
6	51,212	246	172
7	51,457	247	173
8	51,704	248	174
9	51,953	249	175
10	52,202	251	175
11	52,453	252	176
12	52,704	253	177
13	52,957	254	178
14	53,211	255	179
15	53,467	257	180
16	53,724	258	181
17	53,981	259	181
18	54,240	260	182
19	54,501	262	183
20	54,762	263	184
	TOTAL	$5,025	$3,518

117

LOCAL CD

Woodsfield Savings 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

118

LOCAL CD

First Merchants Bank

0.50%

$50,000

60 Month

Bank

0.54x (National Avg. - 0.92%)

$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

119

LOCAL CD

Cornerstone Bank

0.50%

$50,000

12 Month

Bank

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

120

LOCAL CD

Cornerstone Bank

0.60%

$50,000

18 Month

Bank

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

121

LOCAL CD

Cornerstone Bank

0.70%

$50,000

24 Month

Bank

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

122

LOCAL MONEY MARKET

Cornerstone Bank

0.15%

$50,000

N.A.

Bank

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

123

LOCAL SAVINGS

Cornerstone Bank

0.15%

$50,000

N.A.

Bank

0.67x (National Avg. - 0.23%)

$2,500

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

124

LOCAL CD

InterBank

0.50%

$50,000

36 Month

Bank

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

125

LOCAL MONEY MARKET

LINN - CO

0.35%

$50,000

N.A.

Credit Union

0.46x (National Avg. - 0.75%)

$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

126

LOCAL CD

Wayne Bank

0.20%

$50,000

6 Month

Bank

0.49x (National Avg. - 0.41%)

$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

127

LOCAL CD

Wayne Bank

0.80%

$50,000

60 Month

Bank

0.87x (National Avg. - 0.92%)

$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

128

LOCAL MONEY MARKET

York Traditions Bank

0.10%

$50,000

N.A.

Bank

0.11x (National Avg. - 0.92%)

$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

129

LOCAL CD

Synovus 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

130

LOCAL CD

First Savings Bank

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

131

LOCAL CD

Cornerstone Bank

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

132

LOCAL CD

Pinnacle Bank

0.35%

$50,000

24 Month

Bank

0.53x (National Avg. - 0.66%)

$100,000

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

133

LOCAL CD

Pinnacle Bank

0.40%

$50,000

30 Month

Bank

N.A.

$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

134

LOCAL CD

Pinnacle Bank

0.50%

$50,000

36 Month

Bank

0.66x (National Avg. - 0.75%)

$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

135

LOCAL MONEY MARKET

Pinnacle Bank

0.05%

$50,000

N.A.

Bank

0.07x (National Avg. - 0.75%)

$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

136

LOCAL CD

First Freedom Bank

0.50%

$50,000

36 Month

Bank

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

137

LOCAL CD

First Freedom Bank

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

138

LOCAL CD

ServisFirst Bank

0.71%

$50,000

36 Month

Bank

0.94x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.71%	Annual Interest	Annual Interest (After Tax)
1	50,000	355	249
2	50,355	358	250
3	50,713	360	252
4	51,073	363	254
5	51,435	365	256
6	51,800	368	257
7	52,168	370	259
8	52,539	373	261
9	52,912	376	263
10	53,287	378	265
11	53,666	381	267
12	54,047	384	269
13	54,430	386	271
14	54,817	389	272
15	55,206	392	274
16	55,598	395	276
17	55,993	398	278
18	56,390	400	280
19	56,791	403	282
20	57,194	406	284
	TOTAL	$7,600	$5,320

139

LOCAL CD

LISTERHILL

3.50%

$50,000

36 Month

Credit Union

4.64x (National Avg. - 0.75%)

$500

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

140

LOCAL CD

Herring Bank

0.40%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.58%)

$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

141

LOCAL CD

Herring Bank

0.45%

$50,000

24 Month

Bank

0.68x (National Avg. - 0.66%)

$100,000

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

142

LOCAL CD

Herring Bank

0.70%

$50,000

36 Month

Bank

0.93x (National Avg. - 0.75%)

$10,000

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

143

LOCAL SAVINGS

Herring Bank

0.10%

$50,000

N.A.

Bank

0.44x (National Avg. - 0.23%)

$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

144

LOCAL CD

The Donley County State Bank

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

145

LOCAL CD

The First National Bank of Quitaque

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

146

LOCAL CD

Texas Bank

3.35%

$50,000

30 Month

Bank

N.A.

$500

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

147

LOCAL MONEY MARKET

Texas Bank

0.50%

$50,000

N.A.

Bank

N.A.

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

148

LOCAL SAVINGS

Texas Bank

0.50%

$50,000

N.A.

Bank

2.22x (National Avg. - 0.23%)

$100

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

149

LOCAL CD

TEXAS TRUST

3.40%

$50,000

60 Month

Credit Union

3.70x (National Avg. - 0.92%)

$500

SCENARIO

Year	Rate 3.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,700	1,190
2	51,700	1,758	1,230
3	53,458	1,818	1,272
4	55,275	1,879	1,316
5	57,155	1,943	1,360
6	59,098	2,009	1,407
7	61,107	2,078	1,454
8	63,185	2,148	1,504
9	65,333	2,221	1,555
10	67,555	2,297	1,608
11	69,851	2,375	1,662
12	72,226	2,456	1,719
13	74,682	2,539	1,777
14	77,221	2,626	1,838
15	79,847	2,715	1,900
16	82,562	2,807	1,965
17	85,369	2,903	2,032
18	88,271	3,001	2,101
19	91,272	3,103	2,172
20	94,376	3,209	2,246
	TOTAL	$47,584	$33,309

150

LOCAL CD

NBH 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

151

LOCAL CD

The First National Bank of East Texas

0.10%

$50,000

6 Month

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

152

LOCAL CD

WHITE SANDS

1.11%

$50,000

18 Month

Credit Union

1.91x (National Avg. - 0.58%)

$100,000

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

153

LOCAL CD

WHITE SANDS

1.46%

$50,000

60 Month

Credit Union

1.59x (National Avg. - 0.92%)

$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

154

LOCAL CD

EDUCATORS

1.31%

$50,000

48 Month

Credit Union

1.61x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 1.31%	Annual Interest	Annual Interest (After Tax)
1	50,000	655	459
2	50,655	664	465
3	51,319	672	471
4	51,991	681	477
5	52,672	690	483
6	53,362	699	489
7	54,061	708	496
8	54,769	717	502
9	55,487	727	509
10	56,214	736	515
11	56,950	746	522
12	57,696	756	529
13	58,452	766	536
14	59,218	776	543
15	59,993	786	550
16	60,779	796	557
17	61,575	807	565
18	62,382	817	572
19	63,199	828	580
20	64,027	839	587
	TOTAL	$14,866	$10,406

155

LOCAL CD

Shelby Savings Bank, SSB

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

156

LOCAL CD

First State Bank and Trust Company

0.40%

$50,000

6 Month

Bank

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

157

LOCAL MONEY MARKET

Dominion Bank

0.25%

$50,000

N.A.

Bank

0.62x (National Avg. - 0.41%)

$2,500

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

158

LOCAL CD

GENCO

1.26%

$50,000

48 Month

Credit Union

1.55x (National Avg. - 0.82%)

$10,000

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

159

LOCAL CD

International Bank of Commerce

0.20%

$50,000

6 Month

Bank

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

160

LOCAL CD

The Hondo National Bank

0.35%

$50,000

6 Month

Bank

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

161

LOCAL CD

Anthem Bank & Trust

0.10%

$50,000

48 Month

Bank

0.12x (National Avg. - 0.82%)

$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

162

LOCAL CD

Citizens State Bank

1.00%

$50,000

48 Month

Bank

1.23x (National Avg. - 0.82%)

$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

163

LOCAL CD

Commerce Bank Texas

0.95%

$50,000

36 Month

Bank

1.26x (National Avg. - 0.75%)

$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

164

LOCAL CD

CY-FAIR

0.10%

$50,000

6 Month

Credit Union

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

165

LOCAL CD

The First National Bank of Hebbronville

1.11%

$50,000

60 Month

Bank

1.21x (National Avg. - 0.92%)

$100,000

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

166

LOCAL CD

JORDAN

1.00%

$50,000

36 Month

Credit Union

1.33x (National Avg. - 0.75%)

$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

167

LOCAL CD

Oak View National Bank

0.40%

$50,000

18 Month

Bank

0.69x (National Avg. - 0.58%)

$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

168

LOCAL CD

Farmers and Miners Bank

0.20%

$50,000

6 Month

Bank

0.49x (National Avg. - 0.41%)

$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

169

LOCAL CD

Bank of the Pacific

0.75%

$50,000

48 Month

Bank

0.92x (National Avg. - 0.82%)

$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

170

LOCAL CD

Timberland Bank

0.45%

$50,000

18 Month

Bank

0.78x (National Avg. - 0.58%)

$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

171

LOCAL MONEY MARKET

MEADOWLAND

0.10%

$50,000

N.A.

Credit Union

0.17x (National Avg. - 0.58%)

$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

172

LOCAL CD

Old National 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

173

LOCAL SAVINGS

THRIVENT

0.10%

$50,000

N.A.

Credit Union

0.44x (National Avg. - 0.23%)

$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

174

ONLINE CD

Brilliant Bank, a division of Equity Bank

4.35%

$50,000

15 Month

Online Bank

N.A.

$1,000

SCENARIO

Year	Rate 4.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,175	1,523
2	52,175	2,270	1,589
3	54,445	2,368	1,658
4	56,813	2,471	1,730
5	59,284	2,579	1,805
6	61,863	2,691	1,884
7	64,554	2,808	1,966
8	67,362	2,930	2,051
9	70,293	3,058	2,140
10	73,350	3,191	2,234
11	76,541	3,330	2,331
12	79,871	3,474	2,432
13	83,345	3,626	2,538
14	86,970	3,783	2,648
15	90,754	3,948	2,763
16	94,701	4,120	2,884
17	98,821	4,299	3,009
18	103,120	4,486	3,140
19	107,605	4,681	3,277
20	112,286	4,884	3,419
	TOTAL	$67,171	$47,019

175

LOCAL SAVINGS

INROADS

0.99%

$50,000

N.A.

Credit Union

4.40x (National Avg. - 0.23%)

SCENARIO

Year	Rate 0.99%	Annual Interest	Annual Interest (After Tax)
1	50,000	495	347
2	50,495	500	350
3	50,995	505	353
4	51,500	510	357
5	52,010	515	360
6	52,524	520	364
7	53,044	525	368
8	53,570	530	371
9	54,100	536	375
10	54,636	541	379
11	55,176	546	382
12	55,723	552	386
13	56,274	557	390
14	56,831	563	394
15	57,394	568	398
16	57,962	574	402
17	58,536	580	406
18	59,116	585	410
19	59,701	591	414
20	60,292	597	418
	TOTAL	$10,889	$7,622

176

LOCAL SAVINGS

INROADS

0.99%

$50,000

N.A.

Credit Union

4.40x (National Avg. - 0.23%)

$5,000

SCENARIO

Year	Rate 0.99%	Annual Interest	Annual Interest (After Tax)
1	50,000	495	347
2	50,495	500	350
3	50,995	505	353
4	51,500	510	357
5	52,010	515	360
6	52,524	520	364
7	53,044	525	368
8	53,570	530	371
9	54,100	536	375
10	54,636	541	379
11	55,176	546	382
12	55,723	552	386
13	56,274	557	390
14	56,831	563	394
15	57,394	568	398
16	57,962	574	402
17	58,536	580	406
18	59,116	585	410
19	59,701	591	414
20	60,292	597	418
	TOTAL	$10,889	$7,622

177

LOCAL SAVINGS

INROADS

0.77%

$50,000

N.A.

Credit Union

3.42x (National Avg. - 0.23%)

$10,001

SCENARIO

Year	Rate 0.77%	Annual Interest	Annual Interest (After Tax)
1	50,000	385	270
2	50,385	388	272
3	50,773	391	274
4	51,164	394	276
5	51,558	397	278
6	51,955	400	280
7	52,355	403	282
8	52,758	406	284
9	53,164	409	287
10	53,574	413	289
11	53,986	416	291
12	54,402	419	293
13	54,821	422	295
14	55,243	425	298
15	55,668	429	300
16	56,097	432	302
17	56,529	435	305
18	56,964	439	307
19	57,403	442	309
20	57,845	445	312
	TOTAL	$8,290	$5,803

178

LOCAL SAVINGS

INROADS

0.63%

$50,000

N.A.

Credit Union

2.80x (National Avg. - 0.23%)

$25,001

SCENARIO

Year	Rate 0.63%	Annual Interest	Annual Interest (After Tax)
1	50,000	315	221
2	50,315	317	222
3	50,632	319	223
4	50,951	321	225
5	51,272	323	226
6	51,595	325	228
7	51,920	327	229
8	52,247	329	230
9	52,576	331	232
10	52,908	333	233
11	53,241	335	235
12	53,576	338	236
13	53,914	340	238
14	54,253	342	239
15	54,595	344	241
16	54,939	346	242
17	55,285	348	244
18	55,634	350	245
19	55,984	353	247
20	56,337	355	248
	TOTAL	$6,692	$4,684

179

LOCAL CD

Seattle Bank

3.80%

$50,000

36 Month

Bank

5.04x (National Avg. - 0.75%)

$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

180

LOCAL CD

RADIANT

4.08%

$50,000

12 Month

Credit Union

7.39x (National Avg. - 0.55%)

$50,000

SCENARIO

Year	Rate 4.08%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,040	1,428
2	52,040	2,123	1,486
3	54,163	2,210	1,547
4	56,373	2,300	1,610
5	58,673	2,394	1,676
6	61,067	2,492	1,744
7	63,559	2,593	1,815
8	66,152	2,699	1,889
9	68,851	2,809	1,966
10	71,660	2,924	2,047
11	74,584	3,043	2,130
12	77,627	3,167	2,217
13	80,794	3,296	2,307
14	84,090	3,431	2,402
15	87,521	3,571	2,500
16	91,092	3,717	2,602
17	94,808	3,868	2,708
18	98,677	4,026	2,818
19	102,703	4,190	2,933
20	106,893	4,361	3,053
	TOTAL	$61,254	$42,878

181

LOCAL SAVINGS

ASSOCIATED CREDIT UNION

0.40%

$50,000

N.A.

Credit Union

1.78x (National Avg. - 0.23%)

$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

182

LOCAL CD

Johnson Bank

3.65%

$50,000

13 Month

Bank

N.A.

$5,000

SCENARIO

Year	Rate 3.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,825	1,278
2	51,825	1,892	1,324
3	53,717	1,961	1,372
4	55,677	2,032	1,423
5	57,709	2,106	1,474
6	59,816	2,183	1,528
7	61,999	2,263	1,584
8	64,262	2,346	1,642
9	66,608	2,431	1,702
10	69,039	2,520	1,764
11	71,559	2,612	1,828
12	74,171	2,707	1,895
13	76,878	2,806	1,964
14	79,684	2,908	2,036
15	82,592	3,015	2,110
16	85,607	3,125	2,187
17	88,732	3,239	2,267
18	91,970	3,357	2,350
19	95,327	3,479	2,436
20	98,807	3,606	2,525
	TOTAL	$52,413	$36,689

183

LOCAL CD

Johnson Bank

3.76%

$50,000

18 Month

Bank

6.48x (National Avg. - 0.58%)

$100,000

SCENARIO

Year	Rate 3.76%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,880	1,316
2	51,880	1,951	1,365
3	53,831	2,024	1,417
4	55,855	2,100	1,470
5	57,955	2,179	1,525
6	60,134	2,261	1,583
7	62,395	2,346	1,642
8	64,741	2,434	1,704
9	67,175	2,526	1,768
10	69,701	2,621	1,835
11	72,322	2,719	1,904
12	75,041	2,822	1,975
13	77,863	2,928	2,049
14	80,790	3,038	2,126
15	83,828	3,152	2,206
16	86,980	3,270	2,289
17	90,250	3,393	2,375
18	93,644	3,521	2,465
19	97,165	3,653	2,557
20	100,818	3,791	2,654
	TOTAL	$54,609	$38,226

184

ONLINE CD

First Hawaiian Bank

4.00%

$50,000

6 Month

Bank

9.85x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 4.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,000	1,400
2	52,000	2,080	1,456
3	54,080	2,163	1,514
4	56,243	2,250	1,575
5	58,493	2,340	1,638
6	60,833	2,433	1,703
7	63,266	2,531	1,771
8	65,797	2,632	1,842
9	68,428	2,737	1,916
10	71,166	2,847	1,993
11	74,012	2,960	2,072
12	76,973	3,079	2,155
13	80,052	3,202	2,241
14	83,254	3,330	2,331
15	86,584	3,463	2,424
16	90,047	3,602	2,521
17	93,649	3,746	2,622
18	97,395	3,896	2,727
19	101,291	4,052	2,836
20	105,342	4,214	2,950
	TOTAL	$59,556	$41,689

185

ONLINE CD

First Hawaiian Bank

3.00%

$50,000

12 Month

Bank

5.43x (National Avg. - 0.55%)

$500

SCENARIO

Year	Rate 3.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,500	1,050
2	51,500	1,545	1,082
3	53,045	1,591	1,114
4	54,636	1,639	1,147
5	56,275	1,688	1,182
6	57,964	1,739	1,217
7	59,703	1,791	1,254
8	61,494	1,845	1,291
9	63,339	1,900	1,330
10	65,239	1,957	1,370
11	67,196	2,016	1,411
12	69,212	2,076	1,453
13	71,288	2,139	1,497
14	73,427	2,203	1,542
15	75,629	2,269	1,588
16	77,898	2,337	1,636
17	80,235	2,407	1,685
18	82,642	2,479	1,735
19	85,122	2,554	1,788
20	87,675	2,630	1,841
	TOTAL	$40,306	$28,214

186

LOCAL CD

Seamen's Bank

3.60%

$50,000

6 Month

Bank

8.87x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 3.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,800	1,260
2	51,800	1,865	1,305
3	53,665	1,932	1,352
4	55,597	2,001	1,401
5	57,598	2,074	1,451
6	59,672	2,148	1,504
7	61,820	2,226	1,558
8	64,045	2,306	1,614
9	66,351	2,389	1,672
10	68,740	2,475	1,732
11	71,214	2,564	1,795
12	73,778	2,656	1,859
13	76,434	2,752	1,926
14	79,186	2,851	1,995
15	82,036	2,953	2,067
16	84,990	3,060	2,142
17	88,049	3,170	2,219
18	91,219	3,284	2,299
19	94,503	3,402	2,381
20	97,905	3,525	2,467
	TOTAL	$51,430	$36,001

187

LOCAL CD

Santander Bank, N.A.

3.25%

$50,000

3 Month

Bank

1.48x (National Avg. - 2.20%)

$500

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

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 Citizens State Bank with 1.00% - April 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Citizens State Bank with 1.00% - April 2025