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Comparison of Deposit Account from Kirkwood Bank & Trust Co. with 1.15% - April 2025


Long-Term Analysis of Western Nebraska Bank with 0.25% APY and Kirkwood Bank & Trust Co. with 1.15% APY and HERITAGE with 1.75% 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

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL MONEY MARKET
    Western Nebraska Bank
    0.25%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $25,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    LOCAL CD
    Kirkwood Bank & Trust Co.
    1.15%
    -
    $50,000
    60 Month
    Bank
    1.25x (National Avg. - 0.92%)
    $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
  • 3
    LOCAL SAVINGS
    HERITAGE
    1.75%
    -
    $50,000
    N.A.
    Credit Union
    7.81x (National Avg. - 0.22%)
    $500,000
     
    SCENARIO
    Year Rate
    1.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 875 613
    2 50,875 890 623
    3 51,765 906 634
    4 52,671 922 645
    5 53,593 938 657
    6 54,531 954 668
    7 55,485 971 680
    8 56,456 988 692
    9 57,444 1,005 704
    10 58,449 1,023 716
    11 59,472 1,041 729
    12 60,513 1,059 741
    13 61,572 1,078 754
    14 62,649 1,096 767
    15 63,746 1,116 781
    16 64,861 1,135 795
    17 65,996 1,155 808
    18 67,151 1,175 823
    19 68,327 1,196 837
    20 69,522 1,217 852
    TOTAL $20,739 $14,517

    All calculations are for demonstration purposes only.

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