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Comparison of Deposit Account from ITHINK FINANCIAL with 3.30% - March 2025

Long-Term Analysis of Citizens State Bank with 0.90% APY and NBH Bank with 0.50% APY and Freedom Bank with 0.90% APY and SIKORSKY FINANCIAL with 3.50% APY and JUSTICE with 0.98% APY and TOGETHER with 0.90% APY and PLATINUM with 1.25% APY and ACHIEVA CREDIT UNION with 3.40% APY and ITHINK FINANCIAL with 3.30% APY and MIAMI with 1.00% APY and MIAMI FIREFIGHTERS with 1.25% APY and MEMBERS1ST COMMUNITY with 0.65% APY and MID-ILLINI with 1.02% APY and MID-ILLINI with 1.16% APY and MID-ILLINI with 0.30% APY and MID-ILLINI with 1.28% APY and CATHOLIC & COMMUNITY with 1.05% APY and Banterra Bank with 0.15% APY and Citizens Bank with 0.80% APY and EFCU FINANCIAL with 1.25% APY and STRAITS AREA with 0.20% APY and TEAM ONE with 0.75% APY and AAC with 0.60% APY and LENCO with 0.80% APY and HORIZON with 0.50% APY and Nebraska State Bank and Trust Company with 0.50% APY and Columbus Bank and Trust Company with 0.75% APY and First Savings Bank with 0.50% APY and TOGETHER with 0.99% APY and WHITE SANDS with 1.21% APY and ESTACADO with 0.81% APY and Adirondack Bank with 3.25% APY and XCEED FINANCIAL with 0.70% APY and The Bank of Magnolia Company with 0.20% APY and The First Central National Bank of St. Paris with 0.85% APY and Texas Bank with 0.30% APY and Ennis State Bank with 1.00% APY and Anthem Bank & Trust with 0.10% APY and Fayette Savings Bank, SSB with 1.15% APY and HOUSTON METROPOLITAN with 0.90% APY and EDUCATORS with 0.80% APY and MARSHFIELD MEDICAL CENTER with 0.65% APY and NEKOOSA with 0.20% APY and LATINO COMMUNITY with 3.95% APY and KENOWA COMMUNITY with 2.55% APY and Ponce Bank with 4.75% 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

Citizens State Bank

0.90%

$50,000

24 Month

Bank

1.36x (National Avg. - 0.66%)

$1,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	448	314
2	50,448	452	316
3	50,900	456	319
4	51,356	460	322
5	51,816	464	325
6	52,281	468	328
7	52,749	473	331
8	53,222	477	334
9	53,698	481	337
10	54,180	485	340
11	54,665	490	343
12	55,155	494	346
13	55,649	499	349
14	56,148	503	352
15	56,651	508	355
16	57,158	512	358
17	57,670	517	362
18	58,187	521	365
19	58,709	526	368
20	59,235	531	372
	TOTAL	$9,765	$6,836

LOCAL CD

NBH Bank

0.50%

$50,000

24 Month

Bank

0.76x (National Avg. - 0.66%)

$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

LOCAL CD

Freedom Bank

0.90%

$50,000

24 Month

Bank

1.37x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	452	316
2	50,452	456	319
3	50,907	460	322
4	51,367	464	325
5	51,831	468	328
6	52,299	472	331
7	52,771	477	334
8	53,247	481	337
9	53,728	485	340
10	54,213	490	343
11	54,703	494	346
12	55,197	498	349
13	55,695	503	352
14	56,198	507	355
15	56,706	512	358
16	57,218	517	362
17	57,734	521	365
18	58,256	526	368
19	58,782	531	372
20	59,313	536	375
	TOTAL	$9,848	$6,894

LOCAL CD

SIKORSKY FINANCIAL

3.50%

$50,000

36 Month

Credit Union

4.64x (National Avg. - 0.75%)

$500

SCENARIO

Year	Rate 3.50%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,750	1,225
2	51,750	1,811	1,268
3	53,561	1,875	1,312
4	55,436	1,940	1,358
5	57,376	2,008	1,406
6	59,384	2,078	1,455
7	61,463	2,151	1,506
8	63,614	2,226	1,559
9	65,840	2,304	1,613
10	68,145	2,385	1,670
11	70,530	2,469	1,728
12	72,998	2,555	1,788
13	75,553	2,644	1,851
14	78,198	2,737	1,916
15	80,935	2,833	1,983
16	83,767	2,932	2,052
17	86,699	3,034	2,124
18	89,734	3,141	2,198
19	92,874	3,251	2,275
20	96,125	3,364	2,355
	TOTAL	$49,489	$34,643

LOCAL CD

JUSTICE

0.98%

$50,000

36 Month

Credit Union

1.31x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.98%	Annual Interest	Annual Interest (After Tax)
1	50,000	492	344
2	50,492	497	348
3	50,989	502	351
4	51,491	507	355
5	51,997	512	358
6	52,509	517	362
7	53,026	522	365
8	53,547	527	369
9	54,074	532	372
10	54,606	537	376
11	55,144	543	380
12	55,686	548	384
13	56,234	553	387
14	56,788	559	391
15	57,346	564	395
16	57,911	570	399
17	58,481	575	403
18	59,056	581	407
19	59,637	587	411
20	60,224	593	415
	TOTAL	$10,816	$7,572

LOCAL CD

TOGETHER

0.90%

$50,000

24 Month

Credit Union

1.36x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

PLATINUM

1.25%

$50,000

60 Month

Credit Union

1.36x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL CD

ACHIEVA CREDIT UNION

3.40%

$50,000

60 Month

Credit Union

3.70x (National Avg. - 0.92%)

$75,000

SCENARIO

Year	Rate 3.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,700	1,190
2	51,700	1,758	1,230
3	53,458	1,818	1,272
4	55,275	1,879	1,316
5	57,155	1,943	1,360
6	59,098	2,009	1,407
7	61,107	2,078	1,454
8	63,185	2,148	1,504
9	65,333	2,221	1,555
10	67,555	2,297	1,608
11	69,851	2,375	1,662
12	72,226	2,456	1,719
13	74,682	2,539	1,777
14	77,221	2,626	1,838
15	79,847	2,715	1,900
16	82,562	2,807	1,965
17	85,369	2,903	2,032
18	88,271	3,001	2,101
19	91,272	3,103	2,172
20	94,376	3,209	2,246
	TOTAL	$47,584	$33,309

LOCAL CD

ITHINK FINANCIAL

3.30%

$50,000

48 Month

Credit Union

4.05x (National Avg. - 0.82%)

$25,000

SCENARIO

Year	Rate 3.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,650	1,155
2	51,650	1,704	1,193
3	53,354	1,761	1,232
4	55,115	1,819	1,273
5	56,934	1,879	1,315
6	58,813	1,941	1,359
7	60,754	2,005	1,403
8	62,758	2,071	1,450
9	64,829	2,139	1,498
10	66,969	2,210	1,547
11	69,179	2,283	1,598
12	71,462	2,358	1,651
13	73,820	2,436	1,705
14	76,256	2,516	1,762
15	78,772	2,599	1,820
16	81,372	2,685	1,880
17	84,057	2,774	1,942
18	86,831	2,865	2,006
19	89,697	2,960	2,072
20	92,657	3,058	2,140
	TOTAL	$45,714	$32,000

LOCAL CD

MIAMI

1.00%

$50,000

60 Month

Credit Union

1.09x (National Avg. - 0.92%)

$50,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

MIAMI FIREFIGHTERS

1.25%

$50,000

60 Month

Credit Union

1.36x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL CD

MEMBERS1ST COMMUNITY

0.65%

$50,000

18 Month

Credit Union

1.12x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

MID-ILLINI

1.02%

$50,000

36 Month

Credit Union

1.35x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 1.02%	Annual Interest	Annual Interest (After Tax)
1	50,000	510	357
2	50,510	515	361
3	51,025	520	364
4	51,546	526	368
5	52,071	531	372
6	52,603	537	376
7	53,139	542	379
8	53,681	548	383
9	54,229	553	387
10	54,782	559	391
11	55,341	564	395
12	55,905	570	399
13	56,475	576	403
14	57,051	582	407
15	57,633	588	412
16	58,221	594	416
17	58,815	600	420
18	59,415	606	424
19	60,021	612	429
20	60,633	618	433
	TOTAL	$11,252	$7,876

LOCAL CD

MID-ILLINI

1.16%

$50,000

48 Month

Credit Union

1.42x (National Avg. - 0.82%)

$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

MID-ILLINI

0.30%

$50,000

6 Month

Credit Union

0.74x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

MID-ILLINI

1.28%

$50,000

60 Month

Credit Union

1.39x (National Avg. - 0.92%)

$100,000

SCENARIO

Year	Rate 1.28%	Annual Interest	Annual Interest (After Tax)
1	50,000	640	448
2	50,640	648	454
3	51,288	656	460
4	51,945	665	465
5	52,610	673	471
6	53,283	682	477
7	53,965	691	484
8	54,656	700	490
9	55,355	709	496
10	56,064	718	502
11	56,782	727	509
12	57,508	736	515
13	58,244	746	522
14	58,990	755	529
15	59,745	765	535
16	60,510	775	542
17	61,284	784	549
18	62,069	794	556
19	62,863	805	563
20	63,668	815	570
	TOTAL	$14,483	$10,138

LOCAL CD

CATHOLIC & COMMUNITY

1.05%

$50,000

60 Month

Credit Union

1.14x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.05%	Annual Interest	Annual Interest (After Tax)
1	50,000	525	368
2	50,525	531	371
3	51,056	536	375
4	51,592	542	379
5	52,133	547	383
6	52,681	553	387
7	53,234	559	391
8	53,793	565	395
9	54,358	571	400
10	54,928	577	404
11	55,505	583	408
12	56,088	589	412
13	56,677	595	417
14	57,272	601	421
15	57,873	608	425
16	58,481	614	430
17	59,095	620	434
18	59,716	627	439
19	60,343	634	444
20	60,976	640	448
	TOTAL	$11,616	$8,131

LOCAL CD

Banterra Bank

0.15%

$50,000

24 Month

Bank

0.23x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	75	53
2	50,075	75	53
3	50,150	75	53
4	50,225	75	53
5	50,301	75	53
6	50,376	76	53
7	50,452	76	53
8	50,527	76	53
9	50,603	76	53
10	50,679	76	53
11	50,755	76	53
12	50,831	76	53
13	50,907	76	53
14	50,984	76	54
15	51,060	77	54
16	51,137	77	54
17	51,214	77	54
18	51,290	77	54
19	51,367	77	54
20	51,444	77	54
	TOTAL	$1,522	$1,065

LOCAL CD

Citizens Bank

0.80%

$50,000

48 Month

Bank

0.98x (National Avg. - 0.82%)

$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

LOCAL CD

EFCU FINANCIAL

1.25%

$50,000

60 Month

Credit Union

1.36x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL CD

STRAITS AREA

0.20%

$50,000

6 Month

Credit Union

0.49x (National Avg. - 0.41%)

$10,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

TEAM ONE

0.75%

$50,000

18 Month

Credit Union

1.29x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

AAC

0.60%

$50,000

18 Month

Credit Union

1.03x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.60%	Annual Interest	Annual Interest (After Tax)
1	50,000	300	210
2	50,300	302	211
3	50,602	304	213
4	50,905	305	214
5	51,211	307	215
6	51,518	309	216
7	51,827	311	218
8	52,138	313	219
9	52,451	315	220
10	52,766	317	222
11	53,082	318	223
12	53,401	320	224
13	53,721	322	226
14	54,044	324	227
15	54,368	326	228
16	54,694	328	230
17	55,022	330	231
18	55,352	332	232
19	55,684	334	234
20	56,019	336	235
	TOTAL	$6,355	$4,448

LOCAL CD

LENCO

0.80%

$50,000

18 Month

Credit Union

1.38x (National Avg. - 0.58%)

$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

LOCAL CD

HORIZON

0.50%

$50,000

24 Month

Credit Union

0.76x (National Avg. - 0.66%)

$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

LOCAL CD

Nebraska State Bank and Trust Company

0.50%

$50,000

48 Month

Bank

0.61x (National Avg. - 0.82%)

$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

LOCAL CD

Columbus Bank and Trust Company

0.75%

$50,000

24 Month

Bank

1.14x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

First Savings Bank

0.50%

$50,000

24 Month

Bank

0.76x (National Avg. - 0.66%)

$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

LOCAL CD

TOGETHER

0.99%

$50,000

36 Month

Credit Union

1.31x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.99%	Annual Interest	Annual Interest (After Tax)
1	50,000	495	347
2	50,495	500	350
3	50,995	505	353
4	51,500	510	357
5	52,010	515	360
6	52,524	520	364
7	53,044	525	368
8	53,570	530	371
9	54,100	536	375
10	54,636	541	379
11	55,176	546	382
12	55,723	552	386
13	56,274	557	390
14	56,831	563	394
15	57,394	568	398
16	57,962	574	402
17	58,536	580	406
18	59,116	585	410
19	59,701	591	414
20	60,292	597	418
	TOTAL	$10,889	$7,622

LOCAL CD

WHITE SANDS

1.21%

$50,000

48 Month

Credit Union

1.48x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 1.21%	Annual Interest	Annual Interest (After Tax)
1	50,000	605	424
2	50,605	612	429
3	51,217	620	434
4	51,837	627	439
5	52,464	635	444
6	53,099	642	450
7	53,742	650	455
8	54,392	658	461
9	55,050	666	466
10	55,716	674	472
11	56,390	682	478
12	57,073	691	483
13	57,763	699	489
14	58,462	707	495
15	59,170	716	501
16	59,885	725	507
17	60,610	733	513
18	61,343	742	520
19	62,086	751	526
20	62,837	760	532
	TOTAL	$13,597	$9,518

LOCAL CD

ESTACADO

0.81%

$50,000

48 Month

Credit Union

0.99x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.81%	Annual Interest	Annual Interest (After Tax)
1	50,000	405	284
2	50,405	408	286
3	50,813	412	288
4	51,225	415	290
5	51,640	418	293
6	52,058	422	295
7	52,480	425	298
8	52,905	429	300
9	53,333	432	302
10	53,765	435	305
11	54,201	439	307
12	54,640	443	310
13	55,082	446	312
14	55,529	450	315
15	55,978	453	317
16	56,432	457	320
17	56,889	461	323
18	57,350	465	325
19	57,814	468	328
20	58,283	472	330
	TOTAL	$8,755	$6,128

LOCAL CD

Adirondack Bank

3.25%

$50,000

6 Month

Bank

8.00x (National Avg. - 0.41%)

$1,000

SCENARIO

Year	Rate 3.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,625	1,138
2	51,625	1,678	1,174
3	53,303	1,732	1,213
4	55,035	1,789	1,252
5	56,824	1,847	1,293
6	58,671	1,907	1,335
7	60,577	1,969	1,378
8	62,546	2,033	1,423
9	64,579	2,099	1,469
10	66,678	2,167	1,517
11	68,845	2,237	1,566
12	71,082	2,310	1,617
13	73,392	2,385	1,670
14	75,778	2,463	1,724
15	78,240	2,543	1,780
16	80,783	2,625	1,838
17	83,409	2,711	1,898
18	86,119	2,799	1,959
19	88,918	2,890	2,023
20	91,808	2,984	2,089
	TOTAL	$44,792	$31,354

LOCAL CD

XCEED FINANCIAL

0.70%

$50,000

24 Month

Credit Union

1.06x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.70%	Annual Interest	Annual Interest (After Tax)
1	50,000	350	245
2	50,350	352	247
3	50,702	355	248
4	51,057	357	250
5	51,415	360	252
6	51,775	362	254
7	52,137	365	255
8	52,502	368	257
9	52,870	370	259
10	53,240	373	261
11	53,612	375	263
12	53,988	378	265
13	54,366	381	266
14	54,746	383	268
15	55,129	386	270
16	55,515	389	272
17	55,904	391	274
18	56,295	394	276
19	56,689	397	278
20	57,086	400	280
	TOTAL	$7,486	$5,240

LOCAL CD

The Bank of Magnolia Company

0.20%

$50,000

48 Month

Bank

0.25x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

The First Central National Bank of St. Paris

0.85%

$50,000

48 Month

Bank

1.04x (National Avg. - 0.82%)

$10,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

LOCAL CD

Texas Bank

0.30%

$50,000

24 Month

Bank

0.45x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.30%	Annual Interest	Annual Interest (After Tax)
1	50,000	150	105
2	50,150	150	105
3	50,300	151	106
4	50,451	151	106
5	50,603	152	106
6	50,755	152	107
7	50,907	153	107
8	51,059	153	107
9	51,213	154	108
10	51,366	154	108
11	51,520	155	108
12	51,675	155	109
13	51,830	155	109
14	51,985	156	109
15	52,141	156	109
16	52,298	157	110
17	52,455	157	110
18	52,612	158	110
19	52,770	158	111
20	52,928	159	111
	TOTAL	$3,087	$2,161

LOCAL CD

Ennis State Bank

1.00%

$50,000

24 Month

Bank

1.52x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 1.00%	Annual Interest	Annual Interest (After Tax)
1	50,000	500	350
2	50,500	505	354
3	51,005	510	357
4	51,515	515	361
5	52,030	520	364
6	52,551	526	368
7	53,076	531	372
8	53,607	536	375
9	54,143	541	379
10	54,684	547	383
11	55,231	552	387
12	55,783	558	390
13	56,341	563	394
14	56,905	569	398
15	57,474	575	402
16	58,048	580	406
17	58,629	586	410
18	59,215	592	415
19	59,807	598	419
20	60,405	604	423
	TOTAL	$11,010	$7,707

LOCAL CD

Anthem Bank & Trust

0.10%

$50,000

24 Month

Bank

0.15x (National Avg. - 0.66%)

$10,000

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

Fayette Savings Bank, SSB

1.15%

$50,000

24 Month

Bank

1.74x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 1.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	575	403
2	50,575	582	407
3	51,157	588	412
4	51,745	595	417
5	52,340	602	421
6	52,942	609	426
7	53,551	616	431
8	54,167	623	436
9	54,789	630	441
10	55,420	637	446
11	56,057	645	451
12	56,702	652	456
13	57,354	660	462
14	58,013	667	467
15	58,680	675	472
16	59,355	683	478
17	60,038	690	483
18	60,728	698	489
19	61,427	706	494
20	62,133	715	500
	TOTAL	$12,847	$8,993

LOCAL CD

HOUSTON METROPOLITAN

0.90%

$50,000

36 Month

Credit Union

1.19x (National Avg. - 0.75%)

$10,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

EDUCATORS

0.80%

$50,000

30 Month

Credit Union

N.A.

$100,000

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

LOCAL CD

MARSHFIELD MEDICAL CENTER

0.65%

$50,000

18 Month

Credit Union

1.12x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.65%	Annual Interest	Annual Interest (After Tax)
1	50,000	325	228
2	50,325	327	229
3	50,652	329	230
4	50,981	331	232
5	51,313	334	233
6	51,646	336	235
7	51,982	338	237
8	52,320	340	238
9	52,660	342	240
10	53,002	345	241
11	53,347	347	243
12	53,693	349	244
13	54,042	351	246
14	54,394	354	247
15	54,747	356	249
16	55,103	358	251
17	55,461	360	252
18	55,822	363	254
19	56,185	365	256
20	56,550	368	257
	TOTAL	$6,917	$4,842

LOCAL CD

NEKOOSA

0.20%

$50,000

18 Month

Credit Union

0.34x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL CD

LATINO COMMUNITY

3.95%

$50,000

24 Month

Credit Union

5.98x (National Avg. - 0.66%)

$200,000

SCENARIO

Year	Rate 3.95%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,975	1,383
2	51,975	2,053	1,437
3	54,028	2,134	1,494
4	56,162	2,218	1,553
5	58,381	2,306	1,614
6	60,687	2,397	1,678
7	63,084	2,492	1,744
8	65,575	2,590	1,813
9	68,166	2,693	1,885
10	70,858	2,799	1,959
11	73,657	2,909	2,037
12	76,567	3,024	2,117
13	79,591	3,144	2,201
14	82,735	3,268	2,288
15	86,003	3,397	2,378
16	89,400	3,531	2,472
17	92,931	3,671	2,570
18	96,602	3,816	2,671
19	100,418	3,967	2,777
20	104,384	4,123	2,886
	TOTAL	$58,508	$40,955

LOCAL CD

KENOWA COMMUNITY

2.55%

$50,000

6 Month

Credit Union

6.28x (National Avg. - 0.41%)

$500

SCENARIO

Year	Rate 2.55%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,275	893
2	51,275	1,308	915
3	52,583	1,341	939
4	53,923	1,375	963
5	55,298	1,410	987
6	56,709	1,446	1,012
7	58,155	1,483	1,038
8	59,638	1,521	1,065
9	61,158	1,560	1,092
10	62,718	1,599	1,120
11	64,317	1,640	1,148
12	65,957	1,682	1,177
13	67,639	1,725	1,207
14	69,364	1,769	1,238
15	71,133	1,814	1,270
16	72,947	1,860	1,302
17	74,807	1,908	1,335
18	76,714	1,956	1,369
19	78,671	2,006	1,404
20	80,677	2,057	1,440
	TOTAL	$32,734	$22,914

LOCAL CD

Ponce Bank

4.75%

$50,000

7 Month

Bank

N.A.

$1,000

SCENARIO

Year	Rate 4.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,375	1,663
2	52,375	2,488	1,741
3	54,863	2,606	1,824
4	57,469	2,730	1,911
5	60,199	2,859	2,002
6	63,058	2,995	2,097
7	66,053	3,138	2,196
8	69,191	3,287	2,301
9	72,477	3,443	2,410
10	75,920	3,606	2,524
11	79,526	3,777	2,644
12	83,304	3,957	2,770
13	87,261	4,145	2,901
14	91,406	4,342	3,039
15	95,747	4,548	3,184
16	100,295	4,764	3,335
17	105,059	4,990	3,493
18	110,050	5,227	3,659
19	115,277	5,476	3,833
20	120,753	5,736	4,015
	TOTAL	$76,488	$53,542

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%	$5,000	Learn More
Last change: ↑0.15% on March 22.
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.
Goldman Sachs Bank	4.50%	$500	Learn More
Last change: ↓0.50% on February 25.

Compare Savings vs. CDs Comparison of Deposit Account from ITHINK FINANCIAL with 3.30% - March 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from ITHINK FINANCIAL with 3.30% - March 2025