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Comparison of Deposit Account from Community Bank of the South with 0.25% - April 2025

Long-Term Analysis of Community Bank of the South with 0.25% APY and ALLIANCE with 0.96% APY and Riverview Community Bank with 0.10% APY and VIRGINIA CREDIT UNION, INC., with 4.02% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Community Bank of the South

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

ALLIANCE

0.96%

$50,000

48 Month

Credit Union

1.18x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.96%	Annual Interest	Annual Interest (After Tax)
1	50,000	480	336
2	50,480	485	339
3	50,965	489	342
4	51,454	494	346
5	51,948	499	349
6	52,447	503	352
7	52,950	508	356
8	53,458	513	359
9	53,972	518	363
10	54,490	523	366
11	55,013	528	370
12	55,541	533	373
13	56,074	538	377
14	56,612	543	380
15	57,156	549	384
16	57,705	554	388
17	58,259	559	391
18	58,818	565	395
19	59,382	570	399
20	59,953	576	403
	TOTAL	$10,528	$7,370

LOCAL SAVINGS

Riverview Community 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 CD

VIRGINIA CREDIT UNION, INC.,

4.02%

$50,000

60 Month

Credit Union

4.38x (National Avg. - 0.92%)

$50,000

SCENARIO

Year	Rate 4.02%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,010	1,407
2	52,010	2,091	1,464
3	54,101	2,175	1,522
4	56,276	2,262	1,584
5	58,538	2,353	1,647
6	60,891	2,448	1,713
7	63,339	2,546	1,782
8	65,885	2,649	1,854
9	68,534	2,755	1,929
10	71,289	2,866	2,006
11	74,155	2,981	2,087
12	77,136	3,101	2,171
13	80,237	3,226	2,258
14	83,462	3,355	2,349
15	86,817	3,490	2,443
16	90,307	3,630	2,541
17	93,938	3,776	2,643
18	97,714	3,928	2,750
19	101,642	4,086	2,860
20	105,728	4,250	2,975
	TOTAL	$59,978	$41,985

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 Community Bank of the South with 0.25% - April 2025

Long-Term Analysis of Community Bank of the South with 0.25% APY and ALLIANCE with 0.96% APY and Riverview Community Bank with 0.10% APY and VIRGINIA CREDIT UNION, INC., with 4.02% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Community Bank of the South with 0.25% - April 2025