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Comparison of Deposit Account from Mid Penn Bank with 3.20% - April 2025


Long-Term Analysis of Mid Penn Bank with 3.20% APY and Farmers and Merchants Bank with 2.27% APY and The Farmers & Merchants Bank with 0.60% APY and Park State Bank & Trust with 1.16% APY and First Southern Bank with 0.01% APY and Peoples Bank with 0.60% 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
    Mid Penn Bank
    3.20%
    -
    $50,000
    48 Month
    Bank
    3.92x (National Avg. - 0.82%)
    $500
     
    SCENARIO
    Year Rate
    3.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,600 1,120
    2 51,600 1,651 1,156
    3 53,251 1,704 1,193
    4 54,955 1,759 1,231
    5 56,714 1,815 1,270
    6 58,529 1,873 1,311
    7 60,402 1,933 1,353
    8 62,334 1,995 1,396
    9 64,329 2,059 1,441
    10 66,388 2,124 1,487
    11 68,512 2,192 1,535
    12 70,704 2,263 1,584
    13 72,967 2,335 1,634
    14 75,302 2,410 1,687
    15 77,712 2,487 1,741
    16 80,198 2,566 1,796
    17 82,765 2,648 1,854
    18 85,413 2,733 1,913
    19 88,146 2,821 1,974
    20 90,967 2,911 2,038
    TOTAL $43,878 $30,715
  • 2
    LOCAL CD
    Farmers and Merchants Bank
    2.27%
    -
    $50,000
    12 Month
    Bank
    4.12x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    2.27%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,135 795
    2 51,135 1,161 813
    3 52,296 1,187 831
    4 53,483 1,214 850
    5 54,697 1,242 869
    6 55,939 1,270 889
    7 57,208 1,299 909
    8 58,507 1,328 930
    9 59,835 1,358 951
    10 61,193 1,389 972
    11 62,582 1,421 994
    12 64,003 1,453 1,017
    13 65,456 1,486 1,040
    14 66,942 1,520 1,064
    15 68,461 1,554 1,088
    16 70,015 1,589 1,113
    17 71,605 1,625 1,138
    18 73,230 1,662 1,164
    19 74,893 1,700 1,190
    20 76,593 1,739 1,217
    TOTAL $28,331 $19,832
  • 3
    LOCAL CD
    The Farmers & Merchants Bank
    0.60%
    -
    $50,000
    18 Month
    Bank
    1.03x (National Avg. - 0.58%)
    $100,000
     
    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
  • 4
    LOCAL CD
    Park State Bank & Trust
    1.16%
    -
    $50,000
    48 Month
    Bank
    1.42x (National Avg. - 0.82%)
    $500
     
    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
  • 5
    LOCAL SAVINGS
    First Southern Bank
    0.01%
    -
    $50,000
    N.A.
    Bank
    0.04x (National Avg. - 0.22%)
    $2,500
     
    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
  • 6
    LOCAL CD
    Peoples Bank
    0.60%
    -
    $50,000
    48 Month
    Bank
    0.74x (National Avg. - 0.82%)
    $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

    All calculations are for demonstration purposes only.

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