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Comparison of Deposit Account from The Baldwin State Bank with 1.37% - April 2025


Long-Term Analysis of The Baldwin State Bank with 1.01% APY and The Baldwin State Bank with 1.21% APY and The Baldwin State Bank with 1.37% APY and The Baldwin State Bank with 1.37% APY and The Baldwin State Bank with 0.80% APY and The Baldwin State Bank with 0.80% APY and The Baldwin State Bank with 0.20% 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
    The Baldwin State Bank
    1.01%
    -
    $50,000
    12 Month
    Bank
    1.84x (National Avg. - 0.55%)
    $100,000
     
    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
  • 2
    LOCAL CD
    The Baldwin State Bank
    1.21%
    -
    $50,000
    18 Month
    Bank
    2.09x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    1.21%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 605 424
    2 50,605 612 429
    3 51,217 620 434
    4 51,837 627 439
    5 52,464 635 444
    6 53,099 642 450
    7 53,742 650 455
    8 54,392 658 461
    9 55,050 666 466
    10 55,716 674 472
    11 56,390 682 478
    12 57,073 691 483
    13 57,763 699 489
    14 58,462 707 495
    15 59,170 716 501
    16 59,885 725 507
    17 60,610 733 513
    18 61,343 742 520
    19 62,086 751 526
    20 62,837 760 532
    TOTAL $13,597 $9,518
  • 3
    LOCAL CD
    The Baldwin State Bank
    1.37%
    -
    $50,000
    36 Month
    Bank
    1.82x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    1.37%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 685 480
    2 50,685 694 486
    3 51,379 704 493
    4 52,083 714 499
    5 52,797 723 506
    6 53,520 733 513
    7 54,253 743 520
    8 54,997 753 527
    9 55,750 764 535
    10 56,514 774 542
    11 57,288 785 549
    12 58,073 796 557
    13 58,869 806 565
    14 59,675 818 572
    15 60,493 829 580
    16 61,321 840 588
    17 62,161 852 596
    18 63,013 863 604
    19 63,876 875 613
    20 64,751 887 621
    TOTAL $15,639 $10,947
  • 4
    LOCAL CD
    The Baldwin State Bank
    1.37%
    -
    $50,000
    36 Month
    Bank
    1.82x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    1.37%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 685 480
    2 50,685 694 486
    3 51,379 704 493
    4 52,083 714 499
    5 52,797 723 506
    6 53,520 733 513
    7 54,253 743 520
    8 54,997 753 527
    9 55,750 764 535
    10 56,514 774 542
    11 57,288 785 549
    12 58,073 796 557
    13 58,869 806 565
    14 59,675 818 572
    15 60,493 829 580
    16 61,321 840 588
    17 62,161 852 596
    18 63,013 863 604
    19 63,876 875 613
    20 64,751 887 621
    TOTAL $15,639 $10,947
  • 5
    LOCAL CD
    The Baldwin State Bank
    0.80%
    -
    $50,000
    6 Month
    Bank
    1.97x (National Avg. - 0.41%)
    $10,000
     
    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
  • 6
    LOCAL CD
    The Baldwin State Bank
    0.80%
    -
    $50,000
    6 Month
    Bank
    1.97x (National Avg. - 0.41%)
    $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
  • 7
    LOCAL SAVINGS
    The Baldwin State Bank
    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

    All calculations are for demonstration purposes only.

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