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Comparison of Deposit Account from St Landry Homestead Federal Savings Bank with 1.31% - April 2025


Long-Term Analysis of St Landry Homestead Federal Savings Bank with 1.31% APY and Farmers Bank & Trust Company with 0.20% APY and NBT Bank, National Association with 0.25% APY and Century Bank of Georgia with 5.01% APY and German American Bank with 5.00% 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
    St Landry Homestead Federal Savings Bank
    1.31%
    -
    $50,000
    48 Month
    Bank
    1.61x (National Avg. - 0.82%)
    $1,000
     
    SCENARIO
    Year Rate
    1.31%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 655 459
    2 50,655 664 465
    3 51,319 672 471
    4 51,991 681 477
    5 52,672 690 483
    6 53,362 699 489
    7 54,061 708 496
    8 54,769 717 502
    9 55,487 727 509
    10 56,214 736 515
    11 56,950 746 522
    12 57,696 756 529
    13 58,452 766 536
    14 59,218 776 543
    15 59,993 786 550
    16 60,779 796 557
    17 61,575 807 565
    18 62,382 817 572
    19 63,199 828 580
    20 64,027 839 587
    TOTAL $14,866 $10,406
  • 2
    LOCAL SAVINGS
    Farmers Bank & Trust Company
    0.20%
    -
    $50,000
    N.A.
    Bank
    0.89x (National Avg. - 0.22%)
    $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
  • 3
    LOCAL CD
    NBT Bank, National Association
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.62x (National Avg. - 0.41%)
    $100,000
     
    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
  • 4
    LOCAL CD
    Century Bank of Georgia
    5.01%
    -
    $50,000
    8 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    5.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,505 1,754
    2 52,505 2,631 1,841
    3 55,136 2,762 1,934
    4 57,898 2,901 2,030
    5 60,798 3,046 2,132
    6 63,844 3,199 2,239
    7 67,043 3,359 2,351
    8 70,402 3,527 2,469
    9 73,929 3,704 2,593
    10 77,633 3,889 2,723
    11 81,522 4,084 2,859
    12 85,607 4,289 3,002
    13 89,895 4,504 3,153
    14 94,399 4,729 3,311
    15 99,129 4,966 3,476
    16 104,095 5,215 3,651
    17 109,310 5,476 3,834
    18 114,787 5,751 4,026
    19 120,537 6,039 4,227
    20 126,576 6,341 4,439
    TOTAL $82,918 $58,042
  • 5
    LOCAL CD
    German American Bank
    5.00%
    -
    $50,000
    8 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    5.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,500 1,750
    2 52,500 2,625 1,838
    3 55,125 2,756 1,929
    4 57,881 2,894 2,026
    5 60,775 3,039 2,127
    6 63,814 3,191 2,233
    7 67,005 3,350 2,345
    8 70,355 3,518 2,462
    9 73,873 3,694 2,586
    10 77,566 3,878 2,715
    11 81,445 4,072 2,851
    12 85,517 4,276 2,993
    13 89,793 4,490 3,143
    14 94,282 4,714 3,300
    15 98,997 4,950 3,465
    16 103,946 5,197 3,638
    17 109,144 5,457 3,820
    18 114,601 5,730 4,011
    19 120,331 6,017 4,212
    20 126,348 6,317 4,422
    TOTAL $82,665 $57,865

    All calculations are for demonstration purposes only.

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