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Comparison of Deposit Account from Peak Bank, a division of Idaho First Bank with 3.34% - March 2025

Long-Term Analysis of The Moody National Bank with 0.75% APY and IDB GLOBAL with 1.00% APY and GR CONSUMERS with 0.45% APY and Peak Bank, a division of Idaho First Bank with 3.34% 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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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

The Moody National Bank

0.75%

$50,000

24 Month

Bank

1.14x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	375	263
2	50,375	378	264
3	50,753	381	266
4	51,133	384	268
5	51,517	386	270
6	51,903	389	272
7	52,293	392	275
8	52,685	395	277
9	53,080	398	279
10	53,478	401	281
11	53,879	404	283
12	54,283	407	285
13	54,690	410	287
14	55,101	413	289
15	55,514	416	291
16	55,930	419	294
17	56,350	423	296
18	56,772	426	298
19	57,198	429	300
20	57,627	432	303
	TOTAL	$8,059	$5,641

LOCAL CD

IDB GLOBAL

1.00%

$50,000

30 Month

Credit Union

N.A.

$100,000

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

LOCAL CD

GR CONSUMERS

0.45%

$50,000

18 Month

Credit Union

0.78x (National Avg. - 0.58%)

$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

ONLINE CD

Peak Bank, a division of Idaho First Bank

3.34%

$50,000

24 Month

Online Bank

5.06x (National Avg. - 0.66%)

$500

SCENARIO

Year	Rate 3.34%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,670	1,169
2	51,670	1,726	1,208
3	53,396	1,783	1,248
4	55,179	1,843	1,290
5	57,022	1,905	1,333
6	58,927	1,968	1,378
7	60,895	2,034	1,424
8	62,929	2,102	1,471
9	65,031	2,172	1,520
10	67,203	2,245	1,571
11	69,447	2,320	1,624
12	71,767	2,397	1,678
13	74,164	2,477	1,734
14	76,641	2,560	1,792
15	79,201	2,645	1,852
16	81,846	2,734	1,914
17	84,580	2,825	1,977
18	87,404	2,919	2,044
19	90,324	3,017	2,112
20	93,341	3,118	2,182
	TOTAL	$46,458	$32,521

All calculations are for demonstration purposes only.

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Compare Savings vs. CDs Comparison of Deposit Account from Peak Bank, a division of Idaho First Bank with 3.34% - March 2025

Long-Term Analysis of The Moody National Bank with 0.75% APY and IDB GLOBAL with 1.00% APY and GR CONSUMERS with 0.45% APY and Peak Bank, a division of Idaho First Bank with 3.34% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Peak Bank, a division of Idaho First Bank with 3.34% - March 2025