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Comparison of Deposit Account from Farmers State Bank of Calhan with 0.85% - April 2025


Long-Term Analysis of Farmers State Bank of Calhan with 0.85% APY and Itasca Bank & Trust Co. with 0.10% APY and West Gate Bank with 0.45% APY and TTCU with 3.55% 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
    Farmers State Bank of Calhan
    0.85%
    -
    $50,000
    24 Month
    Bank
    1.29x (National Avg. - 0.66%)
    $10,000
     
    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
  • 2
    LOCAL MONEY MARKET
    Itasca Bank & Trust Co.
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.15x (National Avg. - 0.66%)
    $25,000
     
    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
  • 3
    LOCAL CD
    West Gate Bank
    0.45%
    -
    $50,000
    18 Month
    Bank
    0.78x (National Avg. - 0.58%)
    $100,000
     
    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
  • 4
    LOCAL CD
    TTCU
    3.55%
    -
    $50,000
    48 Month
    Credit Union
    4.36x (National Avg. - 0.82%)
    $50,000
     
    SCENARIO
    Year Rate
    3.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,775 1,243
    2 51,775 1,838 1,287
    3 53,613 1,903 1,332
    4 55,516 1,971 1,380
    5 57,487 2,041 1,429
    6 59,528 2,113 1,479
    7 61,641 2,188 1,532
    8 63,829 2,266 1,586
    9 66,095 2,346 1,642
    10 68,442 2,430 1,701
    11 70,871 2,516 1,761
    12 73,387 2,605 1,824
    13 75,993 2,698 1,888
    14 78,690 2,794 1,955
    15 81,484 2,893 2,025
    16 84,377 2,995 2,097
    17 87,372 3,102 2,171
    18 90,474 3,212 2,248
    19 93,685 3,326 2,328
    20 97,011 3,444 2,411
    TOTAL $50,455 $35,319

    All calculations are for demonstration purposes only.

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