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Comparison of Deposit Account from Mineola Community Bank, S.S.B. with 1.05% - April 2025


Long-Term Analysis of Rising Bank, a division of Midwest BankCentre with 4.25% APY and CDC with 0.05% APY and Community Partners Savings Bank with 0.70% APY and COASTHILLS with 0.10% APY and First Community Bank with 0.05% APY and Waypoint Bank with 0.02% APY and AFFINITY with 3.25% APY and SILVER STATE SCHOOLS with 0.25% APY and OREGONIANS with 0.45% APY and 1st Summit Bank with 0.46% APY and Mineola Community Bank, S.S.B. with 1.05% APY and Better Banks with 4.55% 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
    ONLINE CD
    Rising Bank, a division of Midwest BankCentre
    4.25%
    -
    $50,000
    12 Month
    Online Bank
    7.71x (National Avg. - 0.55%)
    $1,000
     
    SCENARIO
    Year Rate
    4.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,125 1,488
    2 52,125 2,215 1,551
    3 54,340 2,309 1,617
    4 56,650 2,408 1,685
    5 59,057 2,510 1,757
    6 61,567 2,617 1,832
    7 64,184 2,728 1,909
    8 66,912 2,844 1,991
    9 69,756 2,965 2,075
    10 72,720 3,091 2,163
    11 75,811 3,222 2,255
    12 79,033 3,359 2,351
    13 82,392 3,502 2,451
    14 85,893 3,650 2,555
    15 89,544 3,806 2,664
    16 93,349 3,967 2,777
    17 97,317 4,136 2,895
    18 101,453 4,312 3,018
    19 105,764 4,495 3,146
    20 110,259 4,686 3,280
    TOTAL $64,945 $45,462
  • 2
    LOCAL MONEY MARKET
    CDC
    0.05%
    -
    $50,000
    N.A.
    Credit Union
    0.09x (National Avg. - 0.55%)
    $25,000
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 3
    LOCAL CD
    Community Partners Savings Bank
    0.70%
    -
    $50,000
    12 Month
    Bank
    1.27x (National Avg. - 0.55%)
    $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
  • 4
    LOCAL MONEY MARKET
    COASTHILLS
    0.10%
    -
    $50,000
    N.A.
    Credit Union
    0.18x (National Avg. - 0.55%)
    $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
  • 5
    LOCAL MONEY MARKET
    First Community Bank
    0.05%
    -
    $50,000
    N.A.
    Bank
    0.09x (National Avg. - 0.55%)
    $10,000
     
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 6
    LOCAL MONEY MARKET
    Waypoint Bank
    0.02%
    -
    $50,000
    N.A.
    Bank
    0.04x (National Avg. - 0.55%)
    $2,500
     
    SCENARIO
    Year Rate
    0.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 10 7
    2 50,010 10 7
    3 50,020 10 7
    4 50,030 10 7
    5 50,040 10 7
    6 50,050 10 7
    7 50,060 10 7
    8 50,070 10 7
    9 50,080 10 7
    10 50,090 10 7
    11 50,100 10 7
    12 50,110 10 7
    13 50,120 10 7
    14 50,130 10 7
    15 50,140 10 7
    16 50,150 10 7
    17 50,160 10 7
    18 50,170 10 7
    19 50,180 10 7
    20 50,190 10 7
    TOTAL $200 $140
  • 7
    LOCAL CD
    AFFINITY
    3.25%
    -
    $50,000
    9 Month
    Credit Union
    N.A.
    $500
     
    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
  • 8
    LOCAL MONEY MARKET
    SILVER STATE SCHOOLS
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    N.A.
    $10,000
     
    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
  • 9
    LOCAL CD
    OREGONIANS
    0.45%
    -
    $50,000
    30 Month
    Credit Union
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 10
    LOCAL CD
    1st Summit Bank
    0.46%
    -
    $50,000
    18 Month
    Bank
    0.79x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.46%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 230 161
    2 50,230 231 162
    3 50,461 232 162
    4 50,693 233 163
    5 50,926 234 164
    6 51,161 235 165
    7 51,396 236 165
    8 51,632 238 166
    9 51,870 239 167
    10 52,108 240 168
    11 52,348 241 169
    12 52,589 242 169
    13 52,831 243 170
    14 53,074 244 171
    15 53,318 245 172
    16 53,563 246 172
    17 53,810 248 173
    18 54,057 249 174
    19 54,306 250 175
    20 54,556 251 176
    TOTAL $4,807 $3,365
  • 11
    LOCAL CD
    Mineola Community Bank, S.S.B.
    1.05%
    -
    $50,000
    60 Month
    Bank
    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
  • 12
    LOCAL CD
    Better Banks
    4.55%
    -
    $50,000
    13 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    4.55%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,275 1,593
    2 52,275 2,379 1,665
    3 54,654 2,487 1,741
    4 57,140 2,600 1,820
    5 59,740 2,718 1,903
    6 62,458 2,842 1,989
    7 65,300 2,971 2,080
    8 68,271 3,106 2,174
    9 71,378 3,248 2,273
    10 74,625 3,395 2,377
    11 78,021 3,550 2,485
    12 81,571 3,711 2,598
    13 85,282 3,880 2,716
    14 89,163 4,057 2,840
    15 93,219 4,241 2,969
    16 97,461 4,434 3,104
    17 101,895 4,636 3,245
    18 106,532 4,847 3,393
    19 111,379 5,068 3,547
    20 116,447 5,298 3,709
    TOTAL $71,745 $50,221

    All calculations are for demonstration purposes only.

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