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Comparison of Deposit Account from Community Point Bank with 1.11% - April 2025


Long-Term Analysis of Badger Bank with 0.03% APY and Badger Bank with 0.03% APY and KINECTA with 3.35% APY and KINECTA with 2.75% APY and PATELCO with 3.00% APY and UNION BUILDING TRADES with 1.30% APY and QUORUM with 2.75% APY and Union State Bank with 0.40% APY and F & C Bank with 0.30% APY and F & C Bank with 0.50% APY and Community Point Bank with 1.11% APY and FIRST MISSOURI with 0.30% APY and ARSENAL with 0.45% APY and Univest Bank and Trust Co. with 0.47% APY and Univest Bank and Trust Co. with 0.05% APY and Univest Bank and Trust Co. with 0.05% APY and Univest Bank and Trust Co. with 0.05% APY and Badger Bank with 0.45% APY and RNB STATE BANK with 0.97% APY and MISSION with 2.80% 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
    N.A.
    Badger Bank
    0.03%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 2
    LOCAL SAVINGS
    Badger Bank
    0.03%
    -
    $50,000
    N.A.
    Bank
    0.13x (National Avg. - 0.22%)
    $100
     
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 3
    LOCAL CD
    KINECTA
    3.35%
    -
    $50,000
    12 Month
    Credit Union
    6.09x (National Avg. - 0.55%)
    $100,000
     
    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
  • 4
    LOCAL CD
    KINECTA
    2.75%
    -
    $50,000
    36 Month
    Credit Union
    3.65x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    2.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,375 963
    2 51,375 1,413 989
    3 52,788 1,452 1,016
    4 54,239 1,492 1,044
    5 55,731 1,533 1,073
    6 57,264 1,575 1,102
    7 58,838 1,618 1,133
    8 60,456 1,663 1,164
    9 62,119 1,708 1,196
    10 63,827 1,755 1,229
    11 65,583 1,804 1,262
    12 67,386 1,853 1,297
    13 69,239 1,904 1,333
    14 71,143 1,956 1,370
    15 73,100 2,010 1,407
    16 75,110 2,066 1,446
    17 77,175 2,122 1,486
    18 79,298 2,181 1,526
    19 81,478 2,241 1,568
    20 83,719 2,302 1,612
    TOTAL $36,021 $25,215
  • 5
    LOCAL CD
    PATELCO
    3.00%
    -
    $50,000
    12 Month
    Credit Union
    5.45x (National Avg. - 0.55%)
    $250
     
    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
  • 6
    LOCAL CD
    UNION BUILDING TRADES
    1.30%
    -
    $50,000
    60 Month
    Credit Union
    1.41x (National Avg. - 0.92%)
    $100,000
     
    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
  • 7
    LOCAL CD
    QUORUM
    2.75%
    -
    $50,000
    48 Month
    Credit Union
    3.37x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    2.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,375 963
    2 51,375 1,413 989
    3 52,788 1,452 1,016
    4 54,239 1,492 1,044
    5 55,731 1,533 1,073
    6 57,264 1,575 1,102
    7 58,838 1,618 1,133
    8 60,456 1,663 1,164
    9 62,119 1,708 1,196
    10 63,827 1,755 1,229
    11 65,583 1,804 1,262
    12 67,386 1,853 1,297
    13 69,239 1,904 1,333
    14 71,143 1,956 1,370
    15 73,100 2,010 1,407
    16 75,110 2,066 1,446
    17 77,175 2,122 1,486
    18 79,298 2,181 1,526
    19 81,478 2,241 1,568
    20 83,719 2,302 1,612
    TOTAL $36,021 $25,215
  • 8
    LOCAL CD
    Union State Bank
    0.40%
    -
    $50,000
    12 Month
    Bank
    0.73x (National Avg. - 0.55%)
    $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
  • 9
    LOCAL CD
    F & C Bank
    0.30%
    -
    $50,000
    6 Month
    Bank
    0.74x (National Avg. - 0.41%)
    $2,500
     
    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
  • 10
    LOCAL CD
    F & C Bank
    0.50%
    -
    $50,000
    6 Month
    Bank
    1.23x (National Avg. - 0.41%)
    $50,000
     
    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
  • 11
    LOCAL CD
    Community Point Bank
    1.11%
    -
    $50,000
    60 Month
    Bank
    1.21x (National Avg. - 0.92%)
    $10,000
     
    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
  • 12
    LOCAL CD
    FIRST MISSOURI
    0.30%
    -
    $50,000
    6 Month
    Credit Union
    0.74x (National Avg. - 0.41%)
    $2,500
     
    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
  • 13
    LOCAL CD
    ARSENAL
    0.45%
    -
    $50,000
    12 Month
    Credit Union
    0.82x (National Avg. - 0.55%)
    $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
  • 14
    LOCAL CD
    Univest Bank and Trust Co.
    0.47%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    0.47%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 235 165
    2 50,235 236 165
    3 50,471 237 166
    4 50,708 238 167
    5 50,947 239 168
    6 51,186 241 168
    7 51,427 242 169
    8 51,668 243 170
    9 51,911 244 171
    10 52,155 245 172
    11 52,400 246 172
    12 52,647 247 173
    13 52,894 249 174
    14 53,143 250 175
    15 53,392 251 176
    16 53,643 252 176
    17 53,895 253 177
    18 54,149 254 178
    19 54,403 256 179
    20 54,659 257 180
    TOTAL $4,916 $3,441
  • 15
    LOCAL MONEY MARKET
    Univest Bank and Trust Co.
    0.05%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $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
  • 16
    LOCAL MONEY MARKET
    Univest Bank and Trust Co.
    0.05%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $25,000
     
    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
  • 17
    LOCAL SAVINGS
    Univest Bank and Trust Co.
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.22x (National Avg. - 0.22%)
    $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
  • 18
    LOCAL CD
    Badger Bank
    0.45%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $1,000
     
    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
  • 19
    LOCAL CD
    RNB STATE BANK
    0.97%
    -
    $50,000
    24 Month
    Bank
    1.47x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.97%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 485 340
    2 50,485 490 343
    3 50,975 494 346
    4 51,469 499 349
    5 51,968 504 353
    6 52,473 509 356
    7 52,981 514 360
    8 53,495 519 363
    9 54,014 524 367
    10 54,538 529 370
    11 55,067 534 374
    12 55,601 539 378
    13 56,141 545 381
    14 56,685 550 385
    15 57,235 555 389
    16 57,790 561 392
    17 58,351 566 396
    18 58,917 571 400
    19 59,488 577 404
    20 60,065 583 408
    TOTAL $10,648 $7,454
  • 20
    LOCAL CD
    MISSION
    2.80%
    -
    $50,000
    3 Month
    Credit Union
    1.28x (National Avg. - 2.19%)
    $100,000
     
    SCENARIO
    Year Rate
    2.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,400 980
    2 51,400 1,439 1,007
    3 52,839 1,479 1,036
    4 54,319 1,521 1,065
    5 55,840 1,564 1,094
    6 57,403 1,607 1,125
    7 59,010 1,652 1,157
    8 60,663 1,699 1,189
    9 62,361 1,746 1,222
    10 64,107 1,795 1,257
    11 65,902 1,845 1,292
    12 67,748 1,897 1,328
    13 69,645 1,950 1,365
    14 71,595 2,005 1,403
    15 73,599 2,061 1,443
    16 75,660 2,118 1,483
    17 77,779 2,178 1,524
    18 79,956 2,239 1,567
    19 82,195 2,301 1,611
    20 84,497 2,366 1,656
    TOTAL $36,862 $25,804

    All calculations are for demonstration purposes only.

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