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Comparison of Deposit Account from Clinton Savings Bank with 4.75% - April 2025


Long-Term Analysis of The Lemont National Bank with 0.30% APY and Community Financial Services Bank with 3.83% APY and Clinton Savings Bank with 4.75% APY and Prime Security Bank with 3.75% 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.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    The Lemont National Bank
    0.30%
    -
    $50,000
    36 Month
    Bank
    0.40x (National Avg. - 0.75%)
    $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
  • 2
    LOCAL CD
    Community Financial Services Bank
    3.83%
    -
    $50,000
    14 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    3.83%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,915 1,341
    2 51,915 1,988 1,392
    3 53,903 2,064 1,445
    4 55,968 2,144 1,500
    5 58,111 2,226 1,558
    6 60,337 2,311 1,618
    7 62,648 2,399 1,680
    8 65,047 2,491 1,744
    9 67,539 2,587 1,811
    10 70,125 2,686 1,880
    11 72,811 2,789 1,952
    12 75,600 2,895 2,027
    13 78,495 3,006 2,104
    14 81,502 3,122 2,185
    15 84,623 3,241 2,269
    16 87,864 3,365 2,356
    17 91,230 3,494 2,446
    18 94,724 3,628 2,540
    19 98,352 3,767 2,637
    20 102,118 3,911 2,738
    TOTAL $56,030 $39,221
  • 3
    LOCAL CD
    Clinton Savings Bank
    4.75%
    -
    $50,000
    8 Month
    Bank
    N.A.
    $10
     
    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
  • 4
    LOCAL CD
    Prime Security Bank
    3.75%
    -
    $50,000
    13 Month
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085

    All calculations are for demonstration purposes only.

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