Compare Savings vs. CDs
Comparison of Deposit Account from First State Bank of Uvalde with 0.10% - January 2025


Long-Term Analysis of WELLSPRING with 0.72% APY and First State Bank of Uvalde with 0.10% 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.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    0.72%
    -
    $50,000
    24 Month
    Credit Union
    1.10x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.72%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 361 253
    2 50,361 364 255
    3 50,725 366 256
    4 51,091 369 258
    5 51,460 372 260
    6 51,831 374 262
    7 52,205 377 264
    8 52,582 380 266
    9 52,962 382 268
    10 53,344 385 270
    11 53,730 388 272
    12 54,118 391 274
    13 54,508 394 275
    14 54,902 396 277
    15 55,298 399 279
    16 55,697 402 281
    17 56,100 405 284
    18 56,505 408 286
    19 56,913 411 288
    20 57,323 414 290
    TOTAL $7,737 $5,416
  • 2
    LOCAL MONEY MARKET
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.15x (National Avg. - 0.66%)
    $2,500
     
    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

    All calculations are for demonstration purposes only.

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