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Comparison of Deposit Account from Morton Community Bank with 2.08% - April 2025


Long-Term Analysis of Community Savings Bank with 0.82% APY and Morton Community Bank with 2.08% APY and TrustBank with 0.50% APY and Passumpsic Savings Bank with 0.10% 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.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    Community Savings Bank
    0.82%
    -
    $50,000
    24 Month
    Bank
    1.24x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.82%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 410 287
    2 50,410 413 289
    3 50,823 417 292
    4 51,240 420 294
    5 51,660 424 297
    6 52,084 427 299
    7 52,511 431 301
    8 52,942 434 304
    9 53,376 438 306
    10 53,813 441 309
    11 54,255 445 311
    12 54,700 449 314
    13 55,148 452 317
    14 55,600 456 319
    15 56,056 460 322
    16 56,516 463 324
    17 56,979 467 327
    18 57,447 471 330
    19 57,918 475 332
    20 58,393 479 335
    TOTAL $8,871 $6,210
  • 2
    LOCAL CD
    Morton Community Bank
    2.08%
    -
    $50,000
    60 Month
    Bank
    2.26x (National Avg. - 0.92%)
    $0
     
    SCENARIO
    Year Rate
    2.08%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,040 728
    2 51,040 1,062 743
    3 52,102 1,084 759
    4 53,185 1,106 774
    5 54,292 1,129 790
    6 55,421 1,153 807
    7 56,574 1,177 824
    8 57,750 1,201 841
    9 58,952 1,226 858
    10 60,178 1,252 876
    11 61,429 1,278 894
    12 62,707 1,304 913
    13 64,011 1,331 932
    14 65,343 1,359 951
    15 66,702 1,387 971
    16 68,089 1,416 991
    17 69,506 1,446 1,012
    18 70,951 1,476 1,033
    19 72,427 1,506 1,055
    20 73,934 1,538 1,076
    TOTAL $25,472 $17,830
  • 3
    LOCAL CD
    TrustBank
    0.50%
    -
    $50,000
    18 Month
    Bank
    0.86x (National Avg. - 0.58%)
    $100,000
     
    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
  • 4
    LOCAL MONEY MARKET
    Passumpsic Savings Bank
    0.10%
    -
    $50,000
    N.A.
    Bank
    0.17x (National Avg. - 0.58%)
    $25,000
     
    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

    All calculations are for demonstration purposes only.

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