• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from Farmers & Merchants Bank with 0.40% - April 2025


Long-Term Analysis of First Financial Bank, National Association with 0.01% APY and Farmers Bank with 0.05% APY and Liberty Bank with 0.71% APY and Liberty Bank with 0.75% APY and Liberty Bank with 0.75% APY and The Farmers & Merchants Bank with 0.85% APY and Berkshire Bank with 0.50% APY and Frandsen Bank & Trust with 0.78% APY and UMB Bank, National Association with 0.20% APY and Dakota Community Bank & Trust, National Association with 1.45% APY and CITY with 1.55% APY and Farmers & Merchants Bank with 0.40% APY and Pinnacle Bank - Wyoming with 0.70% 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
    LOCAL SAVINGS
    First Financial Bank, National Association
    0.01%
    -
    $50,000
    N.A.
    Bank
    0.04x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 2
    LOCAL MONEY MARKET
    Farmers Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.22x (National Avg. - 0.23%)
    $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
  • 3
    LOCAL CD
    Liberty Bank
    0.71%
    -
    $50,000
    12 Month
    Bank
    1.29x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.71%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 355 249
    2 50,355 358 250
    3 50,713 360 252
    4 51,073 363 254
    5 51,435 365 256
    6 51,800 368 257
    7 52,168 370 259
    8 52,539 373 261
    9 52,912 376 263
    10 53,287 378 265
    11 53,666 381 267
    12 54,047 384 269
    13 54,430 386 271
    14 54,817 389 272
    15 55,206 392 274
    16 55,598 395 276
    17 55,993 398 278
    18 56,390 400 280
    19 56,791 403 282
    20 57,194 406 284
    TOTAL $7,600 $5,320
  • 4
    LOCAL CD
    Liberty Bank
    0.75%
    -
    $50,000
    18 Month
    Bank
    1.29x (National Avg. - 0.58%)
    $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
  • 5
    LOCAL CD
    Liberty Bank
    0.75%
    -
    $50,000
    18 Month
    Bank
    1.29x (National Avg. - 0.58%)
    $100,000
     
    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
  • 6
    LOCAL CD
    The Farmers & Merchants Bank
    0.85%
    -
    $50,000
    60 Month
    Bank
    0.93x (National Avg. - 0.92%)
    $100,000
     
    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
  • 7
    LOCAL CD
    Berkshire Bank
    0.50%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    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
  • 8
    LOCAL CD
    Frandsen Bank & Trust
    0.78%
    -
    $50,000
    60 Month
    Bank
    0.85x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.78%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 390 273
    2 50,390 393 275
    3 50,783 396 277
    4 51,179 399 279
    5 51,578 402 282
    6 51,981 405 284
    7 52,386 409 286
    8 52,795 412 288
    9 53,207 415 291
    10 53,622 418 293
    11 54,040 422 295
    12 54,461 425 297
    13 54,886 428 300
    14 55,314 431 302
    15 55,746 435 304
    16 56,180 438 307
    17 56,619 442 309
    18 57,060 445 312
    19 57,505 449 314
    20 57,954 452 316
    TOTAL $8,406 $5,884
  • 9
    LOCAL CD
    UMB Bank, National Association
    0.20%
    -
    $50,000
    6 Month
    Bank
    0.49x (National Avg. - 0.41%)
    $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
  • 10
    LOCAL CD
    Dakota Community Bank & Trust, National Association
    1.45%
    -
    $50,000
    36 Month
    Bank
    1.92x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 725 508
    2 50,725 736 515
    3 51,461 746 522
    4 52,207 757 530
    5 52,964 768 538
    6 53,732 779 545
    7 54,511 790 553
    8 55,301 802 561
    9 56,103 813 569
    10 56,917 825 578
    11 57,742 837 586
    12 58,579 849 595
    13 59,428 862 603
    14 60,290 874 612
    15 61,164 887 621
    16 62,051 900 630
    17 62,951 913 639
    18 63,864 926 648
    19 64,790 939 658
    20 65,729 953 667
    TOTAL $16,682 $11,678
  • 11
    LOCAL MONEY MARKET
    CITY
    1.55%
    -
    $50,000
    N.A.
    Credit Union
    2.06x (National Avg. - 0.75%)
    $50,000
     
    SCENARIO
    Year Rate
    1.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 775 543
    2 50,775 787 551
    3 51,562 799 559
    4 52,361 812 568
    5 53,173 824 577
    6 53,997 837 586
    7 54,834 850 595
    8 55,684 863 604
    9 56,547 876 614
    10 57,423 890 623
    11 58,314 904 633
    12 59,217 918 643
    13 60,135 932 652
    14 61,067 947 663
    15 62,014 961 673
    16 62,975 976 683
    17 63,951 991 694
    18 64,942 1,007 705
    19 65,949 1,022 716
    20 66,971 1,038 727
    TOTAL $18,009 $12,607
  • 12
    LOCAL CD
    Farmers & Merchants Bank
    0.40%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $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
  • 13
    LOCAL CD
    Pinnacle Bank - Wyoming
    0.70%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.70%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 351 245
    2 50,351 353 247
    3 50,703 355 249
    4 51,059 358 251
    5 51,417 360 252
    6 51,777 363 254
    7 52,140 366 256
    8 52,506 368 258
    9 52,874 371 259
    10 53,244 373 261
    11 53,618 376 263
    12 53,994 378 265
    13 54,372 381 267
    14 54,753 384 269
    15 55,137 387 271
    16 55,523 389 272
    17 55,913 392 274
    18 56,305 395 276
    19 56,699 397 278
    20 57,097 400 280
    TOTAL $7,497 $5,248

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.15% on March 22.

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↓0.15% on January 25.

    Last change: ↓0.50% on February 25.

    Reddit

    Featured on:

    Copyright © 2025 BestCashCow.com, LLC. All Rights Reserved. Our Terms and Conditions. Privacy Policy + CCPA.

    Disclosure Governing Your Use of this Website | Advertising Disclosure

    Last Update on April 4, 2025

    This page was created in 0.0927 seconds.