• Home
  • Compare Products

Compare Savings vs. CDs
Comparison of Deposit Account from Guaranty Bank and Trust Company with 0.07% - December 2025


Long-Term Analysis of First Citizens Bank with 0.80% APY and Dubuque Bank and Trust Company with 0.01% APY and Guaranty Bank and Trust Company with 0.07% 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
    First Citizens Bank
    0.80%
    -
    $50,000
    36 Month
    Bank
    1.06x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 2
    LOCAL CD
    Dubuque Bank and Trust Company
    0.01%
    -
    $50,000
    60 Month
    Bank
    0.01x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 3
    LOCAL MONEY MARKET
    Guaranty Bank and Trust Company
    0.07%
    -
    $50,000
    N.A.
    Bank
    0.07x (National Avg. - 0.92%)
    $25,000
     
    SCENARIO
    Year Rate
    0.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 33 23
    2 50,033 33 23
    3 50,065 33 23
    4 50,098 33 23
    5 50,130 33 23
    6 50,163 33 23
    7 50,195 33 23
    8 50,228 33 23
    9 50,261 33 23
    10 50,293 33 23
    11 50,326 33 23
    12 50,359 33 23
    13 50,391 33 23
    14 50,424 33 23
    15 50,457 33 23
    16 50,490 33 23
    17 50,523 33 23
    18 50,555 33 23
    19 50,588 33 23
    20 50,621 33 23
    TOTAL $654 $458

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.16% on September 18.
    3 Month CD.

    Last change: ↑0.20% on December 7.
    Early Withdrawal Penalty is 6 months interest.

    Last change: ↑0.05% on December 1.

    Last change: ↑0.10% on December 1.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↓0.15% on November 26.

    Reddit

    Featured on:

    Copyright © 2025 BestCashCow.com, LLC. All Rights Reserved. Our Terms and Conditions. Privacy Policy + CCPA.

    Disclosure Governing Your Use of this Website | Advertising Disclosure

    Last Update on December 12, 2025

    This page was created in 3.1666 seconds.