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Comparison of Deposit Account from The Bank of Missouri with 2.94% - March 2025


Long-Term Analysis of Northern Bank Direct with 3.50% APY and The Bank of Missouri with 2.94% 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
    ONLINE CD
    Northern Bank Direct
    3.50%
    -
    $50,000
    60 Month
    Online Bank
    3.82x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 2
    LOCAL CD
    The Bank of Missouri
    2.94%
    -
    $50,000
    3 Month
    Bank
    1.34x (National Avg. - 2.20%)
    $500
     
    SCENARIO
    Year Rate
    2.94%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,470 1,029
    2 51,470 1,513 1,059
    3 52,983 1,558 1,090
    4 54,541 1,604 1,122
    5 56,144 1,651 1,155
    6 57,795 1,699 1,189
    7 59,494 1,749 1,224
    8 61,243 1,801 1,260
    9 63,044 1,853 1,297
    10 64,897 1,908 1,336
    11 66,805 1,964 1,375
    12 68,769 2,022 1,415
    13 70,791 2,081 1,457
    14 72,873 2,142 1,500
    15 75,015 2,205 1,544
    16 77,220 2,270 1,589
    17 79,491 2,337 1,636
    18 81,828 2,406 1,684
    19 84,234 2,476 1,734
    20 86,710 2,549 1,784
    TOTAL $39,259 $27,481

    All calculations are for demonstration purposes only.

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