Compare Savings vs. CDs
Comparison of Deposit Account from Lincoln FSB of Nebraska with 0.50% - March 2025


Long-Term Analysis of The Citizens State Bank with 1.09% APY and Lincoln FSB of Nebraska with 0.50% 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
    1.09%
    -
    $50,000
    60 Month
    Bank
    1.19x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.09%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 545 382
    2 50,545 551 386
    3 51,096 557 390
    4 51,653 563 394
    5 52,216 569 398
    6 52,785 575 403
    7 53,360 582 407
    8 53,942 588 412
    9 54,530 594 416
    10 55,124 601 421
    11 55,725 607 425
    12 56,333 614 430
    13 56,947 621 435
    14 57,567 627 439
    15 58,195 634 444
    16 58,829 641 449
    17 59,470 648 454
    18 60,119 655 459
    19 60,774 662 464
    20 61,436 670 469
    TOTAL $12,106 $8,474
  • 2
    LOCAL CD
    0.50%
    -
    $50,000
    12 Month
    Bank
    0.91x (National Avg. - 0.55%)
    $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

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↓0.10% on February 9.
    6 Month Jumbo CD.

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

    Last change: ↓0.15% on January 25.