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Comparison of Deposit Account from Peoples National Bank , N.A. with 0.91% - December 2025


Long-Term Analysis of Farmers Savings Bank with 0.25% APY and GEOVISTA with 0.70% APY and First National Bank of Omaha with 0.12% APY and FINANCIAL PLUS with 0.66% APY and Peoples National Bank , N.A. with 0.91% APY and Buckley State Bank with 0.30% APY and Franklin Bank & Trust Company with 0.15% APY and First National Bank with 0.65% APY and The Tipton Latham Bank, National Association with 0.45% APY and Belmont Savings Bank, SSB with 0.75% APY and Farmers and Merchants Bank of Ashland with 0.80% APY and PALMETTO CITIZENS with 3.09% APY and Citizens National Bank with 0.60% 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 MONEY MARKET
    Farmers Savings Bank
    0.25%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $25,000
     
    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
  • 2
    LOCAL CD
    GEOVISTA
    0.70%
    -
    $50,000
    18 Month
    Credit Union
    1.21x (National Avg. - 0.58%)
    $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
  • 3
    LOCAL CD
    First National Bank of Omaha
    0.12%
    -
    $50,000
    60 Month
    Bank
    0.13x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    0.12%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 60 42
    2 50,060 60 42
    3 50,120 60 42
    4 50,180 60 42
    5 50,240 60 42
    6 50,301 60 42
    7 50,361 60 42
    8 50,422 61 42
    9 50,482 61 42
    10 50,543 61 42
    11 50,603 61 43
    12 50,664 61 43
    13 50,725 61 43
    14 50,786 61 43
    15 50,847 61 43
    16 50,908 61 43
    17 50,969 61 43
    18 51,030 61 43
    19 51,091 61 43
    20 51,152 61 43
    TOTAL $1,214 $850
  • 4
    LOCAL CD
    FINANCIAL PLUS
    0.66%
    -
    $50,000
    24 Month
    Credit Union
    1.00x (National Avg. - 0.66%)
    $10,000
     
    SCENARIO
    Year Rate
    0.66%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 330 231
    2 50,330 332 233
    3 50,662 334 234
    4 50,997 337 236
    5 51,333 339 237
    6 51,672 341 239
    7 52,013 343 240
    8 52,356 346 242
    9 52,702 348 243
    10 53,050 350 245
    11 53,400 352 247
    12 53,752 355 248
    13 54,107 357 250
    14 54,464 359 252
    15 54,824 362 253
    16 55,185 364 255
    17 55,550 367 257
    18 55,916 369 258
    19 56,285 371 260
    20 56,657 374 262
    TOTAL $7,031 $4,921
  • 5
    LOCAL CD
    Peoples National Bank , N.A.
    0.91%
    -
    $50,000
    48 Month
    Bank
    1.11x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.91%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 455 319
    2 50,455 459 321
    3 50,914 463 324
    4 51,377 468 327
    5 51,845 472 330
    6 52,317 476 333
    7 52,793 480 336
    8 53,273 485 339
    9 53,758 489 342
    10 54,247 494 346
    11 54,741 498 349
    12 55,239 503 352
    13 55,742 507 355
    14 56,249 512 358
    15 56,761 517 362
    16 57,277 521 365
    17 57,799 526 368
    18 58,325 531 372
    19 58,855 536 375
    20 59,391 540 378
    TOTAL $9,931 $6,952
  • 6
    LOCAL CD
    Buckley State Bank
    0.30%
    -
    $50,000
    24 Month
    Bank
    0.45x (National Avg. - 0.66%)
    $1,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 7
    LOCAL MONEY MARKET
    Franklin Bank & Trust Company
    0.15%
    -
    $50,000
    N.A.
    Bank
    0.23x (National Avg. - 0.66%)
    $25,000
     
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 8
    LOCAL CD
    First National Bank
    0.65%
    -
    $50,000
    48 Month
    Bank
    0.79x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 9
    LOCAL CD
    The Tipton Latham Bank, National Association
    0.45%
    -
    $50,000
    24 Month
    Bank
    0.68x (National Avg. - 0.66%)
    $100,000
     
    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
    Belmont Savings Bank, SSB
    0.75%
    -
    $50,000
    12 Month
    Bank
    1.37x (National Avg. - 0.55%)
    $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
  • 11
    LOCAL CD
    Farmers and Merchants Bank of Ashland
    0.80%
    -
    $50,000
    24 Month
    Bank
    1.21x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047
  • 12
    LOCAL CD
    PALMETTO CITIZENS
    3.09%
    -
    $50,000
    48 Month
    Credit Union
    3.77x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    3.09%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,545 1,082
    2 51,545 1,593 1,115
    3 53,138 1,642 1,149
    4 54,780 1,693 1,185
    5 56,472 1,745 1,221
    6 58,217 1,799 1,259
    7 60,016 1,855 1,298
    8 61,871 1,912 1,338
    9 63,783 1,971 1,380
    10 65,753 2,032 1,422
    11 67,785 2,095 1,466
    12 69,880 2,159 1,512
    13 72,039 2,226 1,558
    14 74,265 2,295 1,606
    15 76,560 2,366 1,656
    16 78,926 2,439 1,707
    17 81,364 2,514 1,760
    18 83,879 2,592 1,814
    19 86,470 2,672 1,870
    20 89,142 2,754 1,928
    TOTAL $41,897 $29,328
  • 13
    LOCAL CD
    Citizens National Bank
    0.60%
    -
    $50,000
    18 Month
    Bank
    1.04x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448

    All calculations are for demonstration purposes only.

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