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Comparison of Deposit Account from First International Bank & Trust with 0.55% - March 2025


Long-Term Analysis of United Business Bank with 0.25% APY and RIO GRANDE with 0.50% APY and TOWN AND COUNTRY with 4.11% APY and First International Bank & Trust with 0.55% APY and Southwestern National Bank with 0.58% 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
    United Business Bank
    0.25%
    -
    $50,000
    12 Month
    Bank
    0.45x (National Avg. - 0.55%)
    $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
  • 2
    LOCAL CD
    RIO GRANDE
    0.50%
    -
    $50,000
    12 Month
    Credit Union
    0.91x (National Avg. - 0.55%)
    $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
  • 3
    LOCAL CD
    TOWN AND COUNTRY
    4.11%
    -
    $50,000
    6 Month
    Credit Union
    10.12x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    4.11%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,055 1,439
    2 52,055 2,139 1,498
    3 54,194 2,227 1,559
    4 56,422 2,319 1,623
    5 58,741 2,414 1,690
    6 61,155 2,513 1,759
    7 63,669 2,617 1,832
    8 66,285 2,724 1,907
    9 69,010 2,836 1,985
    10 71,846 2,953 2,067
    11 74,799 3,074 2,152
    12 77,873 3,201 2,240
    13 81,074 3,332 2,332
    14 84,406 3,469 2,428
    15 87,875 3,612 2,528
    16 91,486 3,760 2,632
    17 95,247 3,915 2,740
    18 99,161 4,076 2,853
    19 103,237 4,243 2,970
    20 107,480 4,417 3,092
    TOTAL $61,897 $43,328
  • 4
    LOCAL CD
    First International Bank & Trust
    0.55%
    -
    $50,000
    24 Month
    Bank
    0.83x (National Avg. - 0.66%)
    $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
  • 5
    LOCAL CD
    Southwestern National Bank
    0.58%
    -
    $50,000
    12 Month
    Bank
    1.04x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.58%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 288 201
    2 50,288 289 202
    3 50,577 291 204
    4 50,867 292 205
    5 51,160 294 206
    6 51,454 296 207
    7 51,750 298 208
    8 52,048 299 209
    9 52,347 301 211
    10 52,648 303 212
    11 52,951 304 213
    12 53,255 306 214
    13 53,561 308 216
    14 53,869 310 217
    15 54,179 312 218
    16 54,490 313 219
    17 54,804 315 221
    18 55,119 317 222
    19 55,436 319 223
    20 55,755 321 224
    TOTAL $6,075 $4,253

    All calculations are for demonstration purposes only.

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