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Comparison of Deposit Account from First Bank with 0.60% - April 2025


Long-Term Analysis of UNITED METHODIST with 0.55% APY and NSB Bank with 0.79% APY and HARVESTER FINANCIAL with 0.30% APY and First Bank with 0.60% APY and ULSTER with 1.00% APY and AMERICHOICE with 0.30% APY and The Ozona National Bank with 0.25% APY and Bank of Milton with 0.04% APY and Evergreen Bank Group with 4.10% 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 CD
    UNITED METHODIST
    0.55%
    -
    $50,000
    6 Month
    Credit Union
    1.35x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 275 193
    2 50,275 277 194
    3 50,552 278 195
    4 50,830 280 196
    5 51,109 281 197
    6 51,390 283 198
    7 51,673 284 199
    8 51,957 286 200
    9 52,243 287 201
    10 52,530 289 202
    11 52,819 291 203
    12 53,110 292 204
    13 53,402 294 206
    14 53,695 295 207
    15 53,991 297 208
    16 54,288 299 209
    17 54,586 300 210
    18 54,886 302 211
    19 55,188 304 212
    20 55,492 305 214
    TOTAL $5,797 $4,058
  • 2
    LOCAL CD
    NSB Bank
    0.79%
    -
    $50,000
    36 Month
    Bank
    1.05x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.79%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 396 277
    2 50,396 399 279
    3 50,795 402 282
    4 51,197 405 284
    5 51,603 409 286
    6 52,012 412 288
    7 52,424 415 291
    8 52,839 418 293
    9 53,257 422 295
    10 53,679 425 298
    11 54,104 429 300
    12 54,533 432 302
    13 54,965 435 305
    14 55,400 439 307
    15 55,839 442 310
    16 56,281 446 312
    17 56,727 449 314
    18 57,176 453 317
    19 57,629 456 319
    20 58,085 460 322
    TOTAL $8,545 $5,982
  • 3
    LOCAL MONEY MARKET
    HARVESTER FINANCIAL
    0.30%
    -
    $50,000
    N.A.
    Credit Union
    0.40x (National Avg. - 0.75%)
    $25,000
     
    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
  • 4
    LOCAL CD
    First Bank
    0.60%
    -
    $50,000
    48 Month
    Bank
    0.74x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 301 211
    2 50,301 303 212
    3 50,604 305 213
    4 50,908 306 215
    5 51,215 308 216
    6 51,523 310 217
    7 51,833 312 218
    8 52,145 314 220
    9 52,459 316 221
    10 52,775 318 222
    11 53,093 320 224
    12 53,412 322 225
    13 53,734 323 226
    14 54,058 325 228
    15 54,383 327 229
    16 54,710 329 231
    17 55,040 331 232
    18 55,371 333 233
    19 55,704 335 235
    20 56,040 337 236
    TOTAL $6,377 $4,464
  • 5
    LOCAL CD
    ULSTER
    1.00%
    -
    $50,000
    36 Month
    Credit Union
    1.33x (National Avg. - 0.75%)
    $100,000
     
    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
  • 6
    LOCAL CD
    AMERICHOICE
    0.30%
    -
    $50,000
    6 Month
    Credit Union
    0.74x (National Avg. - 0.41%)
    $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
  • 7
    LOCAL CD
    The Ozona National Bank
    0.25%
    -
    $50,000
    12 Month
    Bank
    0.45x (National Avg. - 0.55%)
    $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
  • 8
    LOCAL SAVINGS
    Bank of Milton
    0.04%
    -
    $50,000
    N.A.
    Bank
    0.18x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.04%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 20 14
    2 50,020 20 14
    3 50,040 20 14
    4 50,060 20 14
    5 50,080 20 14
    6 50,100 20 14
    7 50,120 20 14
    8 50,140 20 14
    9 50,160 20 14
    10 50,180 20 14
    11 50,200 20 14
    12 50,220 20 14
    13 50,241 20 14
    14 50,261 20 14
    15 50,281 20 14
    16 50,301 20 14
    17 50,321 20 14
    18 50,341 20 14
    19 50,361 20 14
    20 50,381 20 14
    TOTAL $402 $281
  • 9
    LOCAL CD
    Evergreen Bank Group
    4.10%
    -
    $50,000
    5 Month
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    4.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,050 1,435
    2 52,050 2,134 1,494
    3 54,184 2,222 1,555
    4 56,406 2,313 1,619
    5 58,718 2,407 1,685
    6 61,126 2,506 1,754
    7 63,632 2,609 1,826
    8 66,241 2,716 1,901
    9 68,957 2,827 1,979
    10 71,784 2,943 2,060
    11 74,727 3,064 2,145
    12 77,791 3,189 2,233
    13 80,980 3,320 2,324
    14 84,300 3,456 2,419
    15 87,757 3,598 2,519
    16 91,355 3,746 2,622
    17 95,100 3,899 2,729
    18 98,999 4,059 2,841
    19 103,058 4,225 2,958
    20 107,284 4,399 3,079
    TOTAL $61,682 $43,178

    All calculations are for demonstration purposes only.

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