Compare Savings vs. CDs
Comparison of Deposit Account from Sunflower Bank, National Association with 4.45% - March 2025


Long-Term Analysis of Commercial Bank with 0.25% APY and First Northern Bank of Wyoming with 1.01% APY and Sunflower Bank, National Association with 4.45% 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 MONEY MARKET
    0.25%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $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
  • 2
    LOCAL MONEY MARKET
    1.01%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $2,500
     
    SCENARIO
    Year Rate
    1.01%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 505 354
    2 50,505 510 357
    3 51,015 515 361
    4 51,530 520 364
    5 52,051 526 368
    6 52,577 531 372
    7 53,108 536 375
    8 53,644 542 379
    9 54,186 547 383
    10 54,733 553 387
    11 55,286 558 391
    12 55,844 564 395
    13 56,408 570 399
    14 56,978 575 403
    15 57,553 581 407
    16 58,135 587 411
    17 58,722 593 415
    18 59,315 599 419
    19 59,914 605 424
    20 60,519 611 428
    TOTAL $11,130 $7,791
  • 3
    LOCAL CD
    4.45%
    -
    $50,000
    9 Month
    Bank
    N.A.
    $1,000
     
    SCENARIO
    Year Rate
    4.45%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,225 1,558
    2 52,225 2,324 1,627
    3 54,549 2,427 1,699
    4 56,976 2,535 1,775
    5 59,512 2,648 1,854
    6 62,160 2,766 1,936
    7 64,926 2,889 2,022
    8 67,816 3,018 2,112
    9 70,833 3,152 2,206
    10 73,985 3,292 2,305
    11 77,278 3,439 2,407
    12 80,717 3,592 2,514
    13 84,308 3,752 2,626
    14 88,060 3,919 2,743
    15 91,979 4,093 2,865
    16 96,072 4,275 2,993
    17 100,347 4,465 3,126
    18 104,813 4,664 3,265
    19 109,477 4,872 3,410
    20 114,348 5,089 3,562
    TOTAL $69,437 $48,606

    All calculations are for demonstration purposes only.

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