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Comparison of Deposit Account from Guaranty Bank and Trust Company with 0.48% - February 2025


Long-Term Analysis of Blackhawk Bank with 0.35% APY and Guaranty Bank and Trust Company with 0.48% 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
    Blackhawk Bank
    0.35%
    -
    $50,000
    18 Month
    Bank
    0.61x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 2
    LOCAL CD
    Guaranty Bank and Trust Company
    0.48%
    -
    $50,000
    36 Month
    Bank
    0.63x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.48%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 238 166
    2 50,238 239 167
    3 50,476 240 168
    4 50,716 241 169
    5 50,957 242 169
    6 51,199 243 170
    7 51,442 244 171
    8 51,686 246 172
    9 51,932 247 173
    10 52,179 248 173
    11 52,426 249 174
    12 52,675 250 175
    13 52,926 251 176
    14 53,177 253 177
    15 53,430 254 178
    16 53,683 255 178
    17 53,938 256 179
    18 54,195 257 180
    19 54,452 259 181
    20 54,711 260 182
    TOTAL $4,971 $3,479

    All calculations are for demonstration purposes only.

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