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Comparison of Deposit Account from First State Bank of St. Charles, Missouri with 0.10% - April 2025

Long-Term Analysis of First State Bank with 1.16% APY and State Savings Bank with 3.91% APY and First State Bank of St. Charles, Missouri with 0.10% APY and PATHWAYS FINANCIAL with 0.50% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

First State Bank

1.16%

$50,000

60 Month

Bank

1.26x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	580	406
2	50,580	587	411
3	51,167	594	415
4	51,760	600	420
5	52,361	607	425
6	52,968	614	430
7	53,582	622	435
8	54,204	629	440
9	54,833	636	445
10	55,469	643	450
11	56,112	651	456
12	56,763	658	461
13	57,422	666	466
14	58,088	674	472
15	58,762	682	477
16	59,443	690	483
17	60,133	698	488
18	60,830	706	494
19	61,536	714	500
20	62,250	722	505
	TOTAL	$12,972	$9,080

LOCAL CD

State Savings Bank

3.91%

$50,000

48 Month

Bank

4.79x (National Avg. - 0.82%)

$2,000

SCENARIO

Year	Rate 3.91%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,955	1,369
2	51,955	2,031	1,422
3	53,986	2,111	1,478
4	56,097	2,193	1,535
5	58,291	2,279	1,595
6	60,570	2,368	1,658
7	62,938	2,461	1,723
8	65,399	2,557	1,790
9	67,956	2,657	1,860
10	70,613	2,761	1,933
11	73,374	2,869	2,008
12	76,243	2,981	2,087
13	79,224	3,098	2,168
14	82,322	3,219	2,253
15	85,541	3,345	2,341
16	88,885	3,475	2,433
17	92,361	3,611	2,528
18	95,972	3,753	2,627
19	99,725	3,899	2,729
20	103,624	4,052	2,836
	TOTAL	$57,676	$40,373

LOCAL CD

First State Bank of St. Charles, Missouri

0.10%

$50,000

6 Month

Bank

0.25x (National Avg. - 0.41%)

$100,000

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

LOCAL CD

PATHWAYS FINANCIAL

0.50%

$50,000

6 Month

Credit Union

1.23x (National Avg. - 0.41%)

$100,000

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

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
My e-Banc, a division of Bradesco BAC Florida Bank	4.55%	$50,000	Learn More
Last change: ↓0.10% on February 9. 6 Month Jumbo CD.
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Bread Savings, a division of Bread Financial	4.50%	$1,500	Learn More
Last change: ↓0.15% on January 25.
Finworth, a division of InsBank	4.50%	$50,000	Learn More
Last change: ↑0.20% on April 9.

Compare Savings vs. CDs Comparison of Deposit Account from First State Bank of St. Charles, Missouri with 0.10% - April 2025

Long-Term Analysis of First State Bank with 1.16% APY and State Savings Bank with 3.91% APY and First State Bank of St. Charles, Missouri with 0.10% APY and PATHWAYS FINANCIAL with 0.50% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from First State Bank of St. Charles, Missouri with 0.10% - April 2025