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Comparison of Deposit Account from First Bank with 0.50% - April 2025

Long-Term Analysis of First Community Bank with 0.65% APY and CORNER STONE with 0.30% APY and FirsTier Bank with 0.90% APY and NATIONAL INSTITUTES OF HEALTH with 0.25% APY and UNITED METHODIST CONNECTIONAL with 0.70% APY and DIGITAL with 3.25% APY and First Bank with 0.50% APY and Fidelity Federal Savings and Loan Association of Delaware with 1.00% APY and OHIO VALLEY COMMUNITY with 0.25% APY and CAPROCK with 1.26% APY and SMART FINANCIAL with 0.75% APY and Fayette Savings Bank, SSB with 1.20% APY and LAREDO FIRE DEPARTMENT with 1.40% APY and NAVY FEDERAL CREDIT UNION with 2.05% APY and RADIANT with 0.05% 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

First Community Bank

0.65%

$50,000

48 Month

Bank

0.80x (National Avg. - 0.82%)

$1,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

CORNER STONE

0.30%

$50,000

24 Month

Credit Union

0.45x (National Avg. - 0.66%)

$10,000

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

LOCAL CD

FirsTier Bank

0.90%

$50,000

48 Month

Bank

1.10x (National Avg. - 0.82%)

$10,000

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

LOCAL CD

NATIONAL INSTITUTES OF HEALTH

0.25%

$50,000

24 Month

Credit Union

0.38x (National Avg. - 0.66%)

$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

UNITED METHODIST CONNECTIONAL

0.70%

$50,000

24 Month

Credit Union

1.06x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

DIGITAL

3.25%

$50,000

30 Month

Credit Union

N.A.

$500

SCENARIO

Year	Rate 3.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,625	1,138
2	51,625	1,678	1,174
3	53,303	1,732	1,213
4	55,035	1,789	1,252
5	56,824	1,847	1,293
6	58,671	1,907	1,335
7	60,577	1,969	1,378
8	62,546	2,033	1,423
9	64,579	2,099	1,469
10	66,678	2,167	1,517
11	68,845	2,237	1,566
12	71,082	2,310	1,617
13	73,392	2,385	1,670
14	75,778	2,463	1,724
15	78,240	2,543	1,780
16	80,783	2,625	1,838
17	83,409	2,711	1,898
18	86,119	2,799	1,959
19	88,918	2,890	2,023
20	91,808	2,984	2,089
	TOTAL	$44,792	$31,354

LOCAL CD

First Bank

0.50%

$50,000

48 Month

Bank

0.61x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	251	175
2	50,251	252	176
3	50,502	253	177
4	50,755	254	178
5	51,010	256	179
6	51,265	257	180
7	51,522	258	181
8	51,780	259	182
9	52,039	261	183
10	52,300	262	183
11	52,562	263	184
12	52,826	265	185
13	53,090	266	186
14	53,356	267	187
15	53,624	269	188
16	53,892	270	189
17	54,162	271	190
18	54,434	273	191
19	54,706	274	192
20	54,980	275	193
	TOTAL	$5,256	$3,679

LOCAL CD

Fidelity Federal Savings and Loan Association of Delaware

1.00%

$50,000

48 Month

Bank

1.23x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL MONEY MARKET

OHIO VALLEY COMMUNITY

0.25%

$50,000

N.A.

Credit Union

0.31x (National Avg. - 0.82%)

$10,000

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

CAPROCK

1.26%

$50,000

60 Month

Credit Union

1.37x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.26%	Annual Interest	Annual Interest (After Tax)
1	50,000	629	440
2	50,629	636	445
3	51,265	644	451
4	51,909	652	457
5	52,562	661	462
6	53,223	669	468
7	53,892	677	474
8	54,569	686	480
9	55,255	695	486
10	55,949	703	492
11	56,653	712	498
12	57,365	721	505
13	58,086	730	511
14	58,816	739	518
15	59,555	749	524
16	60,304	758	531
17	61,062	768	537
18	61,830	777	544
19	62,607	787	551
20	63,394	797	558
	TOTAL	$14,191	$9,933

LOCAL CD

SMART FINANCIAL

0.75%

$50,000

60 Month

Credit Union

0.82x (National Avg. - 0.92%)

$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

LOCAL CD

Fayette Savings Bank, SSB

1.20%

$50,000

48 Month

Bank

1.47x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	600	420
2	50,600	607	425
3	51,207	614	430
4	51,822	622	435
5	52,444	629	441
6	53,073	637	446
7	53,710	645	451
8	54,354	652	457
9	55,007	660	462
10	55,667	668	468
11	56,335	676	473
12	57,011	684	479
13	57,695	692	485
14	58,387	701	490
15	59,088	709	496
16	59,797	718	502
17	60,514	726	508
18	61,240	735	514
19	61,975	744	521
20	62,719	753	527
	TOTAL	$13,472	$9,430

LOCAL CD

LAREDO FIRE DEPARTMENT

1.40%

$50,000

24 Month

Credit Union

2.12x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 1.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	700	490
2	50,700	710	497
3	51,410	720	504
4	52,130	730	511
5	52,859	740	518
6	53,599	750	525
7	54,350	761	533
8	55,111	772	540
9	55,882	782	548
10	56,665	793	555
11	57,458	804	563
12	58,262	816	571
13	59,078	827	579
14	59,905	839	587
15	60,744	850	595
16	61,594	862	604
17	62,456	874	612
18	63,331	887	621
19	64,217	899	629
20	65,117	912	638
	TOTAL	$16,028	$11,220

LOCAL MONEY MARKET

NAVY FEDERAL CREDIT UNION

2.05%

$50,000

N.A.

Credit Union

3.11x (National Avg. - 0.66%)

$500,000

SCENARIO

Year	Rate 2.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,025	718
2	51,025	1,046	732
3	52,071	1,067	747
4	53,138	1,089	763
5	54,228	1,112	778
6	55,339	1,134	794
7	56,474	1,158	810
8	57,632	1,181	827
9	58,813	1,206	844
10	60,019	1,230	861
11	61,249	1,256	879
12	62,505	1,281	897
13	63,786	1,308	915
14	65,094	1,334	934
15	66,428	1,362	953
16	67,790	1,390	973
17	69,180	1,418	993
18	70,598	1,447	1,013
19	72,045	1,477	1,034
20	73,522	1,507	1,055
	TOTAL	$25,029	$17,520

LOCAL SAVINGS

RADIANT

0.05%

$50,000

N.A.

Credit Union

0.22x (National Avg. - 0.23%)

$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

All calculations are for demonstration purposes only.

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Compare Savings vs. CDs Comparison of Deposit Account from First Bank with 0.50% - April 2025

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Compare Savings vs. CDs
Comparison of Deposit Account from First Bank with 0.50% - April 2025