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Comparison of Deposit Account from Stockmens Bank with 1.25% - April 2025


Long-Term Analysis of Merchants Bank, National Association with 0.35% APY and Farmers-Merchants Bank & Trust Company with 0.35% APY and Stockmens Bank with 1.25% APY and TOWN AND COUNTRY with 4.11% 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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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    Merchants Bank, National Association
    0.35%
    -
    $50,000
    12 Month
    Bank
    0.64x (National Avg. - 0.55%)
    $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
  • 2
    LOCAL CD
    Farmers-Merchants Bank & Trust Company
    0.35%
    -
    $50,000
    6 Month
    Bank
    0.86x (National Avg. - 0.41%)
    $100,000
     
    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
  • 3
    LOCAL CD
    Stockmens Bank
    1.25%
    -
    $50,000
    48 Month
    Bank
    1.53x (National Avg. - 0.82%)
    $100,000
     
    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
  • 4
    LOCAL CD
    TOWN AND COUNTRY
    4.11%
    -
    $50,000
    6 Month
    Credit Union
    10.12x (National Avg. - 0.41%)
    $500
     
    SCENARIO
    Year Rate
    4.11%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,055 1,439
    2 52,055 2,139 1,498
    3 54,194 2,227 1,559
    4 56,422 2,319 1,623
    5 58,741 2,414 1,690
    6 61,155 2,513 1,759
    7 63,669 2,617 1,832
    8 66,285 2,724 1,907
    9 69,010 2,836 1,985
    10 71,846 2,953 2,067
    11 74,799 3,074 2,152
    12 77,873 3,201 2,240
    13 81,074 3,332 2,332
    14 84,406 3,469 2,428
    15 87,875 3,612 2,528
    16 91,486 3,760 2,632
    17 95,247 3,915 2,740
    18 99,161 4,076 2,853
    19 103,237 4,243 2,970
    20 107,480 4,417 3,092
    TOTAL $61,897 $43,328

    All calculations are for demonstration purposes only.

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