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


Long-Term Analysis of TotalDirect, a division of City National Bank of Florida with 4.16% APY and FT RANDALL with 0.40% APY and MATANUSKA VALLEY with 1.51% APY and FRANKLIN TRUST with 0.55% APY and PATHWAYS FINANCIAL with 0.70% APY and JUSTICE with 0.55% APY and TYNDALL with 1.00% APY and COMMUNITY CREDIT UNION OF FLORIDA with 0.30% APY and UNIVERSITY with 0.40% APY and JUSTICE with 0.79% APY and JUSTICE with 0.88% APY and Evergreen Bank Group with 3.50% APY and BOM Bank with 1.00% APY and DIGITAL with 3.25% APY and AREA COMMUNITY with 0.95% APY and WHITE SANDS with 1.26% APY and First Bank with 0.25% APY and Renasant Bank with 0.25% APY and ENBRIGHT with 1.35% APY and Civis Bank with 1.00% APY and The Jacksboro National Bank with 0.75% APY and EECU with 4.75% APY and JUSTICE with 0.65% APY and Citizens 1st Bank with 0.95% APY and EDUCATION FIRST with 0.20% APY and The Brenham National Bank with 0.15% APY and First-Lockhart National Bank with 0.60% APY and HOUSTON with 1.25% APY and ALPINE with 0.85% APY and ROANOKE VALLEY COMMUNITY with 0.65% APY and PATHFINDER with 0.70% APY and PATHFINDER with 0.80% APY and GTE with 3.25% APY and GTE with 3.14% APY and GTE with 0.80% APY

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

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    ONLINE CD
    TotalDirect, a division of City National Bank of Florida
    4.16%
    -
    $50,000
    36 Month
    Online Bank
    5.52x (National Avg. - 0.75%)
    $25,000
     
    SCENARIO
    Year Rate
    4.16%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,080 1,456
    2 52,080 2,167 1,517
    3 54,247 2,257 1,580
    4 56,503 2,351 1,645
    5 58,854 2,448 1,714
    6 61,302 2,550 1,785
    7 63,852 2,656 1,859
    8 66,508 2,767 1,937
    9 69,275 2,882 2,017
    10 72,157 3,002 2,101
    11 75,159 3,127 2,189
    12 78,285 3,257 2,280
    13 81,542 3,392 2,375
    14 84,934 3,533 2,473
    15 88,467 3,680 2,576
    16 92,148 3,833 2,683
    17 95,981 3,993 2,795
    18 99,974 4,159 2,911
    19 104,133 4,332 3,032
    20 108,465 4,512 3,158
    TOTAL $62,977 $44,084
  • 2
    LOCAL CD
    FT RANDALL
    0.40%
    -
    $50,000
    18 Month
    Credit Union
    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
  • 3
    LOCAL CD
    MATANUSKA VALLEY
    1.51%
    -
    $50,000
    48 Month
    Credit Union
    1.85x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.51%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 755 529
    2 50,755 766 536
    3 51,521 778 545
    4 52,299 790 553
    5 53,089 802 561
    6 53,891 814 570
    7 54,704 826 578
    8 55,531 839 587
    9 56,369 851 596
    10 57,220 864 605
    11 58,084 877 614
    12 58,961 890 623
    13 59,852 904 633
    14 60,755 917 642
    15 61,673 931 652
    16 62,604 945 662
    17 63,549 960 672
    18 64,509 974 682
    19 65,483 989 692
    20 66,472 1,004 703
    TOTAL $17,476 $12,233
  • 4
    LOCAL CD
    FRANKLIN TRUST
    0.55%
    -
    $50,000
    24 Month
    Credit Union
    0.83x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 5
    LOCAL CD
    PATHWAYS FINANCIAL
    0.70%
    -
    $50,000
    18 Month
    Credit Union
    1.21x (National Avg. - 0.58%)
    $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
  • 6
    LOCAL CD
    JUSTICE
    0.55%
    -
    $50,000
    18 Month
    Credit Union
    0.95x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 276 193
    2 50,276 278 194
    3 50,554 279 195
    4 50,833 281 196
    5 51,113 282 198
    6 51,395 284 199
    7 51,679 285 200
    8 51,964 287 201
    9 52,251 288 202
    10 52,540 290 203
    11 52,830 292 204
    12 53,121 293 205
    13 53,414 295 206
    14 53,709 296 208
    15 54,006 298 209
    16 54,304 300 210
    17 54,604 301 211
    18 54,905 303 212
    19 55,208 305 213
    20 55,513 306 215
    TOTAL $5,819 $4,073
  • 7
    LOCAL MONEY MARKET
    TYNDALL
    1.00%
    -
    $50,000
    N.A.
    Credit Union
    1.72x (National Avg. - 0.58%)
    $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
  • 8
    LOCAL MONEY MARKET
    COMMUNITY CREDIT UNION OF FLORIDA
    0.30%
    -
    $50,000
    N.A.
    Credit Union
    0.52x (National Avg. - 0.58%)
    $25,000
     
    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
  • 9
    LOCAL CD
    UNIVERSITY
    0.40%
    -
    $50,000
    36 Month
    Credit Union
    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
  • 10
    LOCAL CD
    JUSTICE
    0.79%
    -
    $50,000
    24 Month
    Credit Union
    1.19x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.79%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 393 275
    2 50,393 396 277
    3 50,788 399 279
    4 51,187 402 281
    5 51,589 405 283
    6 51,994 408 286
    7 52,402 411 288
    8 52,813 415 290
    9 53,228 418 292
    10 53,645 421 295
    11 54,067 424 297
    12 54,491 428 299
    13 54,919 431 302
    14 55,350 434 304
    15 55,784 438 307
    16 56,222 441 309
    17 56,664 445 311
    18 57,108 448 314
    19 57,557 452 316
    20 58,009 455 319
    TOTAL $8,464 $5,925
  • 11
    LOCAL CD
    JUSTICE
    0.88%
    -
    $50,000
    36 Month
    Credit Union
    1.17x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.88%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 442 309
    2 50,442 445 312
    3 50,887 449 315
    4 51,336 453 317
    5 51,790 457 320
    6 52,247 461 323
    7 52,708 465 326
    8 53,174 470 329
    9 53,643 474 332
    10 54,117 478 334
    11 54,595 482 337
    12 55,077 486 340
    13 55,563 491 343
    14 56,054 495 346
    15 56,549 499 350
    16 57,048 504 353
    17 57,552 508 356
    18 58,060 513 359
    19 58,573 517 362
    20 59,090 522 365
    TOTAL $9,611 $6,728
  • 12
    LOCAL CD
    Evergreen Bank Group
    3.50%
    -
    $50,000
    18 Month
    Bank
    6.03x (National Avg. - 0.58%)
    $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
  • 13
    LOCAL CD
    BOM Bank
    1.00%
    -
    $50,000
    48 Month
    Bank
    1.23x (National Avg. - 0.82%)
    $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
  • 14
    LOCAL CD
    DIGITAL
    3.25%
    -
    $50,000
    48 Month
    Credit Union
    3.99x (National Avg. - 0.82%)
    $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
  • 15
    LOCAL CD
    AREA COMMUNITY
    0.95%
    -
    $50,000
    36 Month
    Credit Union
    1.26x (National Avg. - 0.75%)
    $100,000
     
    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
  • 16
    LOCAL CD
    WHITE SANDS
    1.26%
    -
    $50,000
    36 Month
    Credit Union
    1.67x (National Avg. - 0.75%)
    $100,000
     
    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
  • 17
    LOCAL CD
    First Bank
    0.25%
    -
    $50,000
    24 Month
    Bank
    0.38x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 18
    LOCAL CD
    Renasant Bank
    0.25%
    -
    $50,000
    24 Month
    Bank
    0.38x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 19
    LOCAL CD
    ENBRIGHT
    1.35%
    -
    $50,000
    60 Month
    Credit Union
    1.47x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 675 473
    2 50,675 684 479
    3 51,359 693 485
    4 52,052 703 492
    5 52,755 712 499
    6 53,467 722 505
    7 54,189 732 512
    8 54,921 741 519
    9 55,662 751 526
    10 56,414 762 533
    11 57,175 772 540
    12 57,947 782 548
    13 58,729 793 555
    14 59,522 804 562
    15 60,326 814 570
    16 61,140 825 578
    17 61,966 837 586
    18 62,802 848 593
    19 63,650 859 601
    20 64,509 871 610
    TOTAL $15,380 $10,766
  • 20
    LOCAL CD
    Civis Bank
    1.00%
    -
    $50,000
    48 Month
    Bank
    1.23x (National Avg. - 0.82%)
    $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
  • 21
    LOCAL CD
    The Jacksboro National Bank
    0.75%
    -
    $50,000
    48 Month
    Bank
    0.92x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 22
    LOCAL CD
    EECU
    4.75%
    -
    $50,000
    24 Month
    Credit Union
    7.20x (National Avg. - 0.66%)
    $1,000
     
    SCENARIO
    Year Rate
    4.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,375 1,663
    2 52,375 2,488 1,741
    3 54,863 2,606 1,824
    4 57,469 2,730 1,911
    5 60,199 2,859 2,002
    6 63,058 2,995 2,097
    7 66,053 3,138 2,196
    8 69,191 3,287 2,301
    9 72,477 3,443 2,410
    10 75,920 3,606 2,524
    11 79,526 3,777 2,644
    12 83,304 3,957 2,770
    13 87,261 4,145 2,901
    14 91,406 4,342 3,039
    15 95,747 4,548 3,184
    16 100,295 4,764 3,335
    17 105,059 4,990 3,493
    18 110,050 5,227 3,659
    19 115,277 5,476 3,833
    20 120,753 5,736 4,015
    TOTAL $76,488 $53,542
  • 23
    LOCAL CD
    JUSTICE
    0.65%
    -
    $50,000
    18 Month
    Credit Union
    1.12x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 326 228
    2 50,326 328 230
    3 50,654 330 231
    4 50,984 332 233
    5 51,317 335 234
    6 51,651 337 236
    7 51,988 339 237
    8 52,327 341 239
    9 52,668 343 240
    10 53,012 346 242
    11 53,357 348 244
    12 53,705 350 245
    13 54,055 352 247
    14 54,408 355 248
    15 54,763 357 250
    16 55,120 359 252
    17 55,479 362 253
    18 55,841 364 255
    19 56,205 366 257
    20 56,571 369 258
    TOTAL $6,940 $4,858
  • 24
    LOCAL CD
    Citizens 1st Bank
    0.95%
    -
    $50,000
    48 Month
    Bank
    1.17x (National Avg. - 0.82%)
    $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
  • 25
    LOCAL CD
    EDUCATION FIRST
    0.20%
    -
    $50,000
    12 Month
    Credit Union
    0.36x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 26
    LOCAL CD
    The Brenham National Bank
    0.15%
    -
    $50,000
    48 Month
    Bank
    0.18x (National Avg. - 0.82%)
    $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
  • 27
    LOCAL CD
    First-Lockhart National Bank
    0.60%
    -
    $50,000
    48 Month
    Bank
    0.74x (National Avg. - 0.82%)
    $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
  • 28
    LOCAL CD
    HOUSTON
    1.25%
    -
    $50,000
    60 Month
    Credit Union
    1.36x (National Avg. - 0.92%)
    $10,000
     
    SCENARIO
    Year Rate
    1.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 625 438
    2 50,625 633 443
    3 51,258 641 449
    4 51,899 649 454
    5 52,547 657 460
    6 53,204 665 466
    7 53,869 673 471
    8 54,543 682 477
    9 55,224 690 483
    10 55,915 699 489
    11 56,614 708 495
    12 57,321 717 502
    13 58,038 725 508
    14 58,763 735 514
    15 59,498 744 521
    16 60,241 753 527
    17 60,994 762 534
    18 61,757 772 540
    19 62,529 782 547
    20 63,310 791 554
    TOTAL $14,102 $9,871
  • 29
    LOCAL CD
    ALPINE
    0.85%
    -
    $50,000
    36 Month
    Credit Union
    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
  • 30
    LOCAL CD
    ROANOKE VALLEY COMMUNITY
    0.65%
    -
    $50,000
    36 Month
    Credit Union
    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
  • 31
    LOCAL CD
    PATHFINDER
    0.70%
    -
    $50,000
    12 Month
    Credit Union
    1.27x (National Avg. - 0.55%)
    $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
  • 32
    LOCAL CD
    PATHFINDER
    0.80%
    -
    $50,000
    18 Month
    Credit Union
    1.38x (National Avg. - 0.58%)
    $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
  • 33
    LOCAL CD
    GTE
    3.25%
    -
    $50,000
    36 Month
    Credit Union
    4.31x (National Avg. - 0.75%)
    $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
  • 34
    LOCAL CD
    GTE
    3.14%
    -
    $50,000
    48 Month
    Credit Union
    3.85x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    3.14%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,570 1,099
    2 51,570 1,619 1,134
    3 53,189 1,670 1,169
    4 54,859 1,723 1,206
    5 56,582 1,777 1,244
    6 58,359 1,832 1,283
    7 60,191 1,890 1,323
    8 62,081 1,949 1,365
    9 64,031 2,011 1,407
    10 66,041 2,074 1,452
    11 68,115 2,139 1,497
    12 70,254 2,206 1,544
    13 72,460 2,275 1,593
    14 74,735 2,347 1,643
    15 77,081 2,420 1,694
    16 79,502 2,496 1,747
    17 81,998 2,575 1,802
    18 84,573 2,656 1,859
    19 87,228 2,739 1,917
    20 89,967 2,825 1,977
    TOTAL $42,792 $29,955
  • 35
    LOCAL MONEY MARKET
    GTE
    0.80%
    -
    $50,000
    N.A.
    Credit Union
    0.98x (National Avg. - 0.82%)
    $50,000
     
    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

    All calculations are for demonstration purposes only.

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