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Comparison of Deposit Account from PALMETTO CITIZENS with 3.14% - April 2025


Long-Term Analysis of The Hicksville Bank with 0.70% APY and The Hicksville Bank with 0.50% APY and LISTERHILL with 4.43% APY and RANCHO with 0.58% APY and 121 FINANCIAL with 2.45% APY and RELIANT with 0.85% APY and Merchants Bank of Indiana with 4.86% APY and PALMETTO CITIZENS with 3.14% APY and Rockland Trust Company with 3.25% APY and Greenfield Banking Company with 0.35% 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
    The Hicksville Bank
    0.70%
    -
    $50,000
    48 Month
    Bank
    0.86x (National Avg. - 0.82%)
    $500
     
    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
  • 2
    LOCAL CD
    The Hicksville Bank
    0.50%
    -
    $50,000
    36 Month
    Bank
    0.66x (National Avg. - 0.75%)
    $500
     
    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
  • 3
    LOCAL CD
    LISTERHILL
    4.43%
    -
    $50,000
    18 Month
    Credit Union
    7.64x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    4.43%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,215 1,551
    2 52,215 2,313 1,619
    3 54,528 2,416 1,691
    4 56,944 2,523 1,766
    5 59,466 2,634 1,844
    6 62,101 2,751 1,926
    7 64,852 2,873 2,011
    8 67,725 3,000 2,100
    9 70,725 3,133 2,193
    10 73,858 3,272 2,290
    11 77,130 3,417 2,392
    12 80,547 3,568 2,498
    13 84,115 3,726 2,608
    14 87,841 3,891 2,724
    15 91,733 4,064 2,845
    16 95,796 4,244 2,971
    17 100,040 4,432 3,102
    18 104,472 4,628 3,240
    19 109,100 4,833 3,383
    20 113,933 5,047 3,533
    TOTAL $68,980 $48,286
  • 4
    LOCAL CD
    RANCHO
    0.58%
    -
    $50,000
    24 Month
    Credit Union
    0.88x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.58%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 290 203
    2 50,290 292 204
    3 50,582 293 205
    4 50,875 295 207
    5 51,170 297 208
    6 51,467 299 209
    7 51,765 300 210
    8 52,066 302 211
    9 52,368 304 213
    10 52,671 305 214
    11 52,977 307 215
    12 53,284 309 216
    13 53,593 311 218
    14 53,904 313 219
    15 54,217 314 220
    16 54,531 316 221
    17 54,847 318 223
    18 55,166 320 224
    19 55,485 322 225
    20 55,807 324 227
    TOTAL $6,131 $4,292
  • 5
    LOCAL CD
    121 FINANCIAL
    2.45%
    -
    $50,000
    6 Month
    Credit Union
    6.03x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    2.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,225 858
    2 51,225 1,255 879
    3 52,480 1,286 900
    4 53,766 1,317 922
    5 55,083 1,350 945
    6 56,433 1,383 968
    7 57,815 1,416 992
    8 59,232 1,451 1,016
    9 60,683 1,487 1,041
    10 62,170 1,523 1,066
    11 63,693 1,560 1,092
    12 65,253 1,599 1,119
    13 66,852 1,638 1,147
    14 68,490 1,678 1,175
    15 70,168 1,719 1,203
    16 71,887 1,761 1,233
    17 73,648 1,804 1,263
    18 75,452 1,849 1,294
    19 77,301 1,894 1,326
    20 79,195 1,940 1,358
    TOTAL $31,135 $21,795
  • 6
    LOCAL CD
    RELIANT
    0.85%
    -
    $50,000
    18 Month
    Credit Union
    1.47x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456
  • 7
    LOCAL CD
    Merchants Bank of Indiana
    4.86%
    -
    $50,000
    12 Month
    Bank
    8.82x (National Avg. - 0.55%)
    $1,001
     
    SCENARIO
    Year Rate
    4.86%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,430 1,701
    2 52,430 2,548 1,784
    3 54,978 2,672 1,870
    4 57,650 2,802 1,961
    5 60,452 2,938 2,057
    6 63,390 3,081 2,157
    7 66,471 3,230 2,261
    8 69,701 3,387 2,371
    9 73,088 3,552 2,486
    10 76,641 3,725 2,607
    11 80,365 3,906 2,734
    12 84,271 4,096 2,867
    13 88,367 4,295 3,006
    14 92,661 4,503 3,152
    15 97,165 4,722 3,306
    16 101,887 4,952 3,466
    17 106,838 5,192 3,635
    18 112,031 5,445 3,811
    19 117,476 5,709 3,997
    20 123,185 5,987 4,191
    TOTAL $79,172 $55,420
  • 8
    LOCAL CD
    PALMETTO CITIZENS
    3.14%
    -
    $50,000
    48 Month
    Credit Union
    3.85x (National Avg. - 0.82%)
    $250,000
     
    SCENARIO
    Year Rate
    3.14%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,570 1,099
    2 51,570 1,619 1,134
    3 53,189 1,670 1,169
    4 54,859 1,723 1,206
    5 56,582 1,777 1,244
    6 58,359 1,832 1,283
    7 60,191 1,890 1,323
    8 62,081 1,949 1,365
    9 64,031 2,011 1,407
    10 66,041 2,074 1,452
    11 68,115 2,139 1,497
    12 70,254 2,206 1,544
    13 72,460 2,275 1,593
    14 74,735 2,347 1,643
    15 77,081 2,420 1,694
    16 79,502 2,496 1,747
    17 81,998 2,575 1,802
    18 84,573 2,656 1,859
    19 87,228 2,739 1,917
    20 89,967 2,825 1,977
    TOTAL $42,792 $29,955
  • 9
    LOCAL CD
    Rockland Trust Company
    3.25%
    -
    $50,000
    7 Month
    Bank
    N.A.
    $1,000
     
    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
  • 10
    LOCAL CD
    Greenfield Banking Company
    0.35%
    -
    $50,000
    8 Month
    Bank
    N.A.
    $5,000
     
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533

    All calculations are for demonstration purposes only.

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