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Comparison of Deposit Account from Commercial Banking Company with 0.90% - December 2025


Long-Term Analysis of Commercial Banking Company with 0.90% APY and LIBERTY BANK with 0.20% APY and Jackson County Bank with 1.22% 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
    Commercial Banking Company
    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
  • 2
    LOCAL SAVINGS
    LIBERTY BANK
    0.20%
    -
    $50,000
    N.A.
    Bank
    0.88x (National Avg. - 0.23%)
    $2,500
     
    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
  • 3
    LOCAL CD
    Jackson County Bank
    1.22%
    -
    $50,000
    60 Month
    Bank
    1.32x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.22%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 610 427
    2 50,610 617 432
    3 51,227 625 437
    4 51,852 633 443
    5 52,485 640 448
    6 53,125 648 454
    7 53,773 656 459
    8 54,429 664 465
    9 55,094 672 470
    10 55,766 680 476
    11 56,446 689 482
    12 57,135 697 488
    13 57,832 706 494
    14 58,537 714 500
    15 59,251 723 506
    16 59,974 732 512
    17 60,706 741 518
    18 61,447 750 525
    19 62,196 759 531
    20 62,955 768 538
    TOTAL $13,723 $9,606

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↑0.05% on December 1.

    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.15% on November 26.

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