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Comparison of Deposit Account from Southeastern Bank with 0.35% - March 2025

Long-Term Analysis of The Sherwood State Bank with 0.03% APY and Community National Bank with 0.59% APY and EAGLE COMMUNITY with 0.20% APY and MOBILE EDUCATORS with 0.10% APY and AUBURN UNIVERSITY with 0.51% APY and FIRST with 0.85% APY and SUNWEST with 0.75% APY and PYRAMID with 1.25% APY and SRI with 0.15% APY and GLOBAL with 3.85% APY and SMW 104 with 0.13% APY and TOGETHER with 0.25% APY and Southeastern Bank with 0.35% APY and Southeastern Bank with 0.45% APY and First State Bank with 1.11% APY and ServisFirst Bank with 0.71% APY and First Federal Savings Bank of Twin Falls with 0.90% APY and NYMEO with 0.25% APY and JOHNS HOPKINS with 0.40% APY and NATIONAL INSTITUTES OF HEALTH with 0.15% APY and CREIGHTON with 0.80% APY and CLARK COUNTY with 0.25% APY and Alma Bank with 0.85% APY and S. C. STATE with 0.15% APY and DIXIES with 0.15% APY and CHATTANOOGA AREA SCHOOLS with 5.15% APY and SEATTLE METROPOLITAN with 0.60% APY and NW PRIORITY with 0.65% APY and Bristol Morgan Bank with 0.85% APY and The Benton State Bank with 1.00% APY and Highland State Bank with 0.35% APY and ENTERPRISE with 0.70% APY and EMPOWER with 1.16% APY and FORTE BANK with 0.60% APY and Third Federal Savings and Loan Association of Cleveland with 4.25% APY and PUBLIX EMPLOYEES with 0.90% APY and MINNEQUA WORKS with 3.04% APY and KENOWA COMMUNITY with 2.75% 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

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL SAVINGS

The Sherwood State Bank

0.03%

$50,000

N.A.

Bank

0.13x (National Avg. - 0.23%)

SCENARIO

Year	Rate 0.03%	Annual Interest	Annual Interest (After Tax)
1	50,000	15	11
2	50,015	15	11
3	50,030	15	11
4	50,045	15	11
5	50,060	15	11
6	50,075	15	11
7	50,090	15	11
8	50,105	15	11
9	50,120	15	11
10	50,135	15	11
11	50,150	15	11
12	50,165	15	11
13	50,180	15	11
14	50,195	15	11
15	50,210	15	11
16	50,225	15	11
17	50,241	15	11
18	50,256	15	11
19	50,271	15	11
20	50,286	15	11
	TOTAL	$301	$211

LOCAL CD

Community National Bank

0.59%

$50,000

24 Month

Bank

0.89x (National Avg. - 0.66%)

$100,000

SCENARIO

Year	Rate 0.59%	Annual Interest	Annual Interest (After Tax)
1	50,000	295	207
2	50,295	297	208
3	50,592	298	209
4	50,890	300	210
5	51,190	302	211
6	51,493	304	213
7	51,796	306	214
8	52,102	307	215
9	52,409	309	216
10	52,719	311	218
11	53,030	313	219
12	53,342	315	220
13	53,657	317	222
14	53,974	318	223
15	54,292	320	224
16	54,613	322	226
17	54,935	324	227
18	55,259	326	228
19	55,585	328	230
20	55,913	330	231
	TOTAL	$6,243	$4,370

LOCAL MONEY MARKET

EAGLE COMMUNITY

0.20%

$50,000

N.A.

Credit Union

0.30x (National Avg. - 0.66%)

$2,500

SCENARIO

Year	Rate 0.20%	Annual Interest	Annual Interest (After Tax)
1	50,000	100	70
2	50,100	100	70
3	50,200	100	70
4	50,301	101	70
5	50,401	101	71
6	50,502	101	71
7	50,603	101	71
8	50,704	101	71
9	50,806	102	71
10	50,907	102	71
11	51,009	102	71
12	51,111	102	72
13	51,213	102	72
14	51,316	103	72
15	51,418	103	72
16	51,521	103	72
17	51,624	103	72
18	51,727	103	72
19	51,831	104	73
20	51,935	104	73
	TOTAL	$2,038	$1,427

LOCAL SAVINGS

MOBILE EDUCATORS

0.10%

$50,000

N.A.

Credit Union

0.44x (National Avg. - 0.23%)

$2,500

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

LOCAL SAVINGS

AUBURN UNIVERSITY

0.51%

$50,000

N.A.

Credit Union

2.27x (National Avg. - 0.23%)

$2,500

SCENARIO

Year	Rate 0.51%	Annual Interest	Annual Interest (After Tax)
1	50,000	255	179
2	50,255	256	179
3	50,511	258	180
4	50,769	259	181
5	51,028	260	182
6	51,288	262	183
7	51,550	263	184
8	51,813	264	185
9	52,077	266	186
10	52,342	267	187
11	52,609	268	188
12	52,878	270	189
13	53,147	271	190
14	53,418	272	191
15	53,691	274	192
16	53,965	275	193
17	54,240	277	194
18	54,516	278	195
19	54,794	279	196
20	55,074	281	197
	TOTAL	$5,355	$3,748

LOCAL CD

FIRST

0.85%

$50,000

24 Month

Credit Union

1.29x (National Avg. - 0.66%)

$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

LOCAL CD

SUNWEST

0.75%

$50,000

24 Month

Credit Union

1.14x (National Avg. - 0.66%)

$10,000

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

PYRAMID

1.25%

$50,000

60 Month

Credit Union

1.36x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	625	438
2	50,625	633	443
3	51,258	641	449
4	51,899	649	454
5	52,547	657	460
6	53,204	665	466
7	53,869	673	471
8	54,543	682	477
9	55,224	690	483
10	55,915	699	489
11	56,614	708	495
12	57,321	717	502
13	58,038	725	508
14	58,763	735	514
15	59,498	744	521
16	60,241	753	527
17	60,994	762	534
18	61,757	772	540
19	62,529	782	547
20	63,310	791	554
	TOTAL	$14,102	$9,871

LOCAL MONEY MARKET

SRI

0.15%

$50,000

N.A.

Credit Union

0.16x (National Avg. - 0.92%)

$2,500

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

LOCAL CD

GLOBAL

3.85%

$50,000

18 Month

Credit Union

6.64x (National Avg. - 0.58%)

$10,000

SCENARIO

Year	Rate 3.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,925	1,348
2	51,925	1,999	1,399
3	53,924	2,076	1,453
4	56,000	2,156	1,509
5	58,156	2,239	1,567
6	60,395	2,325	1,628
7	62,720	2,415	1,690
8	65,135	2,508	1,755
9	67,643	2,604	1,823
10	70,247	2,705	1,893
11	72,952	2,809	1,966
12	75,760	2,917	2,042
13	78,677	3,029	2,120
14	81,706	3,146	2,202
15	84,852	3,267	2,287
16	88,119	3,393	2,375
17	91,511	3,523	2,466
18	95,034	3,659	2,561
19	98,693	3,800	2,660
20	102,493	3,946	2,762
	TOTAL	$56,439	$39,507

LOCAL SAVINGS

SMW 104

0.13%

$50,000

N.A.

Credit Union

0.56x (National Avg. - 0.23%)

$2,500

SCENARIO

Year	Rate 0.13%	Annual Interest	Annual Interest (After Tax)
1	50,000	63	44
2	50,063	63	44
3	50,125	63	44
4	50,188	63	44
5	50,250	63	44
6	50,313	63	44
7	50,376	63	44
8	50,439	63	44
9	50,502	63	44
10	50,565	63	44
11	50,629	63	44
12	50,692	63	44
13	50,755	63	44
14	50,819	64	44
15	50,882	64	45
16	50,946	64	45
17	51,009	64	45
18	51,073	64	45
19	51,137	64	45
20	51,201	64	45
	TOTAL	$1,265	$885

LOCAL MONEY MARKET

TOGETHER

0.25%

$50,000

N.A.

Credit Union

1.11x (National Avg. - 0.23%)

$2,500

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

LOCAL CD

Southeastern Bank

0.35%

$50,000

24 Month

Bank

0.53x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 0.35%	Annual Interest	Annual Interest (After Tax)
1	50,000	176	123
2	50,176	176	123
3	50,352	177	124
4	50,528	177	124
5	50,706	178	125
6	50,884	179	125
7	51,062	179	125
8	51,242	180	126
9	51,421	180	126
10	51,602	181	127
11	51,783	182	127
12	51,965	182	128
13	52,147	183	128
14	52,330	184	129
15	52,514	184	129
16	52,698	185	129
17	52,883	186	130
18	53,069	186	130
19	53,255	187	131
20	53,442	188	131
	TOTAL	$3,630	$2,541

LOCAL CD

Southeastern Bank

0.45%

$50,000

48 Month

Bank

0.55x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.45%	Annual Interest	Annual Interest (After Tax)
1	50,000	226	158
2	50,226	227	159
3	50,452	228	159
4	50,680	229	160
5	50,908	230	161
6	51,138	231	161
7	51,368	232	162
8	51,600	233	163
9	51,833	234	164
10	52,067	235	164
11	52,301	236	165
12	52,537	237	166
13	52,774	238	167
14	53,012	239	167
15	53,251	240	168
16	53,491	241	169
17	53,733	242	170
18	53,975	243	170
19	54,218	245	171
20	54,463	246	172
	TOTAL	$4,709	$3,296

LOCAL CD

First State Bank

1.11%

$50,000

24 Month

Bank

1.68x (National Avg. - 0.66%)

$10,000

SCENARIO

Year	Rate 1.11%	Annual Interest	Annual Interest (After Tax)
1	50,000	555	389
2	50,555	561	393
3	51,116	567	397
4	51,684	574	402
5	52,257	580	406
6	52,837	586	411
7	53,424	593	415
8	54,017	600	420
9	54,616	606	424
10	55,223	613	429
11	55,836	620	434
12	56,455	627	439
13	57,082	634	444
14	57,716	641	448
15	58,356	648	453
16	59,004	655	458
17	59,659	662	464
18	60,321	670	469
19	60,991	677	474
20	61,668	685	479
	TOTAL	$12,352	$8,647

LOCAL CD

ServisFirst Bank

0.71%

$50,000

48 Month

Bank

0.87x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.71%	Annual Interest	Annual Interest (After Tax)
1	50,000	355	249
2	50,355	358	250
3	50,713	360	252
4	51,073	363	254
5	51,435	365	256
6	51,800	368	257
7	52,168	370	259
8	52,539	373	261
9	52,912	376	263
10	53,287	378	265
11	53,666	381	267
12	54,047	384	269
13	54,430	386	271
14	54,817	389	272
15	55,206	392	274
16	55,598	395	276
17	55,993	398	278
18	56,390	400	280
19	56,791	403	282
20	57,194	406	284
	TOTAL	$7,600	$5,320

LOCAL CD

First Federal Savings Bank of Twin Falls

0.90%

$50,000

48 Month

Bank

1.10x (National Avg. - 0.82%)

$100,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL CD

NYMEO

0.25%

$50,000

6 Month

Credit Union

0.62x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

JOHNS HOPKINS

0.40%

$50,000

12 Month

Credit Union

0.72x (National Avg. - 0.55%)

$100,000

SCENARIO

Year	Rate 0.40%	Annual Interest	Annual Interest (After Tax)
1	50,000	200	140
2	50,200	201	141
3	50,401	202	141
4	50,602	202	142
5	50,805	203	142
6	51,008	204	143
7	51,212	205	143
8	51,417	206	144
9	51,623	206	145
10	51,829	207	145
11	52,036	208	146
12	52,245	209	146
13	52,454	210	147
14	52,663	211	147
15	52,874	211	148
16	53,085	212	149
17	53,298	213	149
18	53,511	214	150
19	53,725	215	150
20	53,940	216	151
	TOTAL	$4,156	$2,909

LOCAL MONEY MARKET

NATIONAL INSTITUTES OF HEALTH

0.15%

$50,000

N.A.

Credit Union

0.27x (National Avg. - 0.55%)

$2,500

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

LOCAL CD

CREIGHTON

0.80%

$50,000

60 Month

Credit Union

0.87x (National Avg. - 0.92%)

$25,000

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

LOCAL CD

CLARK COUNTY

0.25%

$50,000

6 Month

Credit Union

0.62x (National Avg. - 0.41%)

$10,000

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

LOCAL CD

Alma Bank

0.85%

$50,000

48 Month

Bank

1.04x (National Avg. - 0.82%)

$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

LOCAL SAVINGS

S. C. STATE

0.15%

$50,000

N.A.

Credit Union

0.67x (National Avg. - 0.23%)

$2,500

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

LOCAL MONEY MARKET

DIXIES

0.15%

$50,000

N.A.

Credit Union

0.67x (National Avg. - 0.23%)

$10,000

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

LOCAL CD

CHATTANOOGA AREA SCHOOLS

5.15%

$50,000

12 Month

Credit Union

9.33x (National Avg. - 0.55%)

$2,000

SCENARIO

Year	Rate 5.15%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,575	1,803
2	52,575	2,708	1,895
3	55,283	2,847	1,993
4	58,130	2,994	2,096
5	61,123	3,148	2,203
6	64,271	3,310	2,317
7	67,581	3,480	2,436
8	71,062	3,660	2,562
9	74,721	3,848	2,694
10	78,569	4,046	2,832
11	82,616	4,255	2,978
12	86,870	4,474	3,132
13	91,344	4,704	3,293
14	96,049	4,946	3,463
15	100,995	5,201	3,641
16	106,196	5,469	3,828
17	111,665	5,751	4,026
18	117,416	6,047	4,233
19	123,463	6,358	4,451
20	129,821	6,686	4,680
	TOTAL	$86,507	$60,555

LOCAL CD

SEATTLE METROPOLITAN

0.60%

$50,000

24 Month

Credit Union

0.91x (National Avg. - 0.66%)

$10,000

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

LOCAL CD

NW PRIORITY

0.65%

$50,000

24 Month

Credit Union

0.98x (National Avg. - 0.66%)

$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

LOCAL CD

Bristol Morgan Bank

0.85%

$50,000

48 Month

Bank

1.04x (National Avg. - 0.82%)

$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

LOCAL CD

The Benton State Bank

1.00%

$50,000

48 Month

Bank

1.23x (National Avg. - 0.82%)

$10,000

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

Highland State Bank

0.35%

$50,000

24 Month

Bank

0.53x (National Avg. - 0.66%)

$10,000

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

LOCAL CD

ENTERPRISE

0.70%

$50,000

60 Month

Credit Union

0.76x (National Avg. - 0.92%)

$10,000

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

LOCAL CD

EMPOWER

1.16%

$50,000

60 Month

Credit Union

1.26x (National Avg. - 0.92%)

$10,000

SCENARIO

Year	Rate 1.16%	Annual Interest	Annual Interest (After Tax)
1	50,000	580	406
2	50,580	587	411
3	51,167	594	415
4	51,760	600	420
5	52,361	607	425
6	52,968	614	430
7	53,582	622	435
8	54,204	629	440
9	54,833	636	445
10	55,469	643	450
11	56,112	651	456
12	56,763	658	461
13	57,422	666	466
14	58,088	674	472
15	58,762	682	477
16	59,443	690	483
17	60,133	698	488
18	60,830	706	494
19	61,536	714	500
20	62,250	722	505
	TOTAL	$12,972	$9,080

LOCAL CD

FORTE BANK

0.60%

$50,000

48 Month

Bank

0.74x (National Avg. - 0.82%)

$500

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

LOCAL CD

Third Federal Savings and Loan Association of Cleveland

4.25%

$50,000

39 Month

Bank

N.A.

$500

SCENARIO

Year	Rate 4.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,125	1,488
2	52,125	2,215	1,551
3	54,340	2,309	1,617
4	56,650	2,408	1,685
5	59,057	2,510	1,757
6	61,567	2,617	1,832
7	64,184	2,728	1,909
8	66,912	2,844	1,991
9	69,756	2,965	2,075
10	72,720	3,091	2,163
11	75,811	3,222	2,255
12	79,033	3,359	2,351
13	82,392	3,502	2,451
14	85,893	3,650	2,555
15	89,544	3,806	2,664
16	93,349	3,967	2,777
17	97,317	4,136	2,895
18	101,453	4,312	3,018
19	105,764	4,495	3,146
20	110,259	4,686	3,280
	TOTAL	$64,945	$45,462

LOCAL MONEY MARKET

PUBLIX EMPLOYEES

0.90%

$50,000

N.A.

Credit Union

N.A.

$1,000

SCENARIO

Year	Rate 0.90%	Annual Interest	Annual Interest (After Tax)
1	50,000	450	315
2	50,450	454	318
3	50,904	458	321
4	51,362	462	324
5	51,824	466	326
6	52,291	471	329
7	52,761	475	332
8	53,236	479	335
9	53,715	483	338
10	54,199	488	341
11	54,687	492	345
12	55,179	497	348
13	55,675	501	351
14	56,177	506	354
15	56,682	510	357
16	57,192	515	360
17	57,707	519	364
18	58,226	524	367
19	58,750	529	370
20	59,279	534	373
	TOTAL	$9,813	$6,869

LOCAL SAVINGS

MINNEQUA WORKS

3.04%

$50,000

N.A.

Credit Union

13.51x (National Avg. - 0.23%)

$25,000

SCENARIO

Year	Rate 3.04%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,520	1,064
2	51,520	1,566	1,096
3	53,086	1,614	1,130
4	54,700	1,663	1,164
5	56,363	1,713	1,199
6	58,076	1,766	1,236
7	59,842	1,819	1,273
8	61,661	1,874	1,312
9	63,536	1,931	1,352
10	65,467	1,990	1,393
11	67,457	2,051	1,435
12	69,508	2,113	1,479
13	71,621	2,177	1,524
14	73,798	2,243	1,570
15	76,042	2,312	1,618
16	78,353	2,382	1,667
17	80,735	2,454	1,718
18	83,190	2,529	1,770
19	85,719	2,606	1,824
20	88,324	2,685	1,880
	TOTAL	$41,010	$28,707

LOCAL CD

KENOWA COMMUNITY

2.75%

$50,000

12 Month

Credit Union

4.98x (National Avg. - 0.55%)

$500

SCENARIO

Year	Rate 2.75%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,375	963
2	51,375	1,413	989
3	52,788	1,452	1,016
4	54,239	1,492	1,044
5	55,731	1,533	1,073
6	57,264	1,575	1,102
7	58,838	1,618	1,133
8	60,456	1,663	1,164
9	62,119	1,708	1,196
10	63,827	1,755	1,229
11	65,583	1,804	1,262
12	67,386	1,853	1,297
13	69,239	1,904	1,333
14	71,143	1,956	1,370
15	73,100	2,010	1,407
16	75,110	2,066	1,446
17	77,175	2,122	1,486
18	79,298	2,181	1,526
19	81,478	2,241	1,568
20	83,719	2,302	1,612
	TOTAL	$36,021	$25,215

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
My e-Banc, a division of Bradesco BAC Florida Bank	4.55%	$5,000	Learn More
Last change: ↑0.15% on March 22.
Brilliant Bank, a division of Equity Bank	4.55%	$1,000	Learn More
Last change: ↓0.50% on October 1, 2024.
ableBanking, a division of Northeast Bank	4.50%	$500	Learn More
Last change: ↑0.20% on January 18.
Bread Savings, a division of Bread Financial	4.50%	$1,500	Learn More
Last change: ↓0.15% on January 25.
Goldman Sachs Bank	4.50%	$500	Learn More
Last change: ↓0.50% on February 25.

Compare Savings vs. CDs Comparison of Deposit Account from Southeastern Bank with 0.35% - March 2025

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from Southeastern Bank with 0.35% - March 2025