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Comparison of Deposit Account from North County Savings Bank with 1.00% - April 2025


Long-Term Analysis of Family Bank with 1.10% APY and North County Savings Bank with 1.00% APY and Frandsen Bank & Trust with 0.13% APY and United Bank with 1.85% 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
    Family Bank
    1.10%
    -
    $50,000
    36 Month
    Bank
    1.46x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 550 385
    2 50,550 556 389
    3 51,106 562 394
    4 51,668 568 398
    5 52,237 575 402
    6 52,811 581 407
    7 53,392 587 411
    8 53,979 594 416
    9 54,573 600 420
    10 55,173 607 425
    11 55,780 614 430
    12 56,394 620 434
    13 57,014 627 439
    14 57,641 634 444
    15 58,276 641 449
    16 58,917 648 454
    17 59,565 655 459
    18 60,220 662 464
    19 60,882 670 469
    20 61,552 677 474
    TOTAL $12,229 $8,560
  • 2
    LOCAL CD
    North County Savings Bank
    1.00%
    -
    $50,000
    12 Month
    Bank
    1.81x (National Avg. - 0.55%)
    $500
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 500 350
    2 50,500 505 354
    3 51,005 510 357
    4 51,515 515 361
    5 52,030 520 364
    6 52,551 526 368
    7 53,076 531 372
    8 53,607 536 375
    9 54,143 541 379
    10 54,684 547 383
    11 55,231 552 387
    12 55,783 558 390
    13 56,341 563 394
    14 56,905 569 398
    15 57,474 575 402
    16 58,048 580 406
    17 58,629 586 410
    18 59,215 592 415
    19 59,807 598 419
    20 60,405 604 423
    TOTAL $11,010 $7,707
  • 3
    LOCAL CD
    Frandsen Bank & Trust
    0.13%
    -
    $50,000
    6 Month
    Bank
    0.32x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.13%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 65 46
    2 50,065 65 46
    3 50,130 65 46
    4 50,195 65 46
    5 50,261 65 46
    6 50,326 65 46
    7 50,391 66 46
    8 50,457 66 46
    9 50,522 66 46
    10 50,588 66 46
    11 50,654 66 46
    12 50,720 66 46
    13 50,786 66 46
    14 50,852 66 46
    15 50,918 66 46
    16 50,984 66 46
    17 51,050 66 46
    18 51,117 66 47
    19 51,183 67 47
    20 51,250 67 47
    TOTAL $1,316 $921
  • 4
    LOCAL CD
    United Bank
    1.85%
    -
    $50,000
    30 Month
    Bank
    N.A.
    $500
     
    SCENARIO
    Year Rate
    1.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 925 648
    2 50,925 942 659
    3 51,867 960 672
    4 52,827 977 684
    5 53,804 995 697
    6 54,799 1,014 710
    7 55,813 1,033 723
    8 56,846 1,052 736
    9 57,897 1,071 750
    10 58,968 1,091 764
    11 60,059 1,111 778
    12 61,170 1,132 792
    13 62,302 1,153 807
    14 63,455 1,174 822
    15 64,629 1,196 837
    16 65,824 1,218 852
    17 67,042 1,240 868
    18 68,282 1,263 884
    19 69,545 1,287 901
    20 70,832 1,310 917
    TOTAL $22,142 $15,500

    All calculations are for demonstration purposes only.

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