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Comparison of Deposit Account from Valley Bank of Ronan with 0.30% - April 2025


Long-Term Analysis of West Plains Bank and Trust Company with 0.75% APY and Valley Bank of Ronan with 0.30% APY and High Plains Bank with 0.09% APY and The Farmers Bank with 1.06% 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
    West Plains Bank and Trust Company
    0.75%
    -
    $50,000
    36 Month
    Bank
    0.99x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 2
    LOCAL CD
    Valley Bank of Ronan
    0.30%
    -
    $50,000
    24 Month
    Bank
    0.45x (National Avg. - 0.66%)
    $100,000
     
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 3
    LOCAL CD
    High Plains Bank
    0.09%
    -
    $50,000
    48 Month
    Bank
    0.11x (National Avg. - 0.82%)
    $100,000
     
    SCENARIO
    Year Rate
    0.09%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 45 32
    2 50,045 45 32
    3 50,090 45 32
    4 50,135 45 32
    5 50,180 45 32
    6 50,225 45 32
    7 50,271 45 32
    8 50,316 45 32
    9 50,361 45 32
    10 50,406 45 32
    11 50,452 45 32
    12 50,497 45 32
    13 50,543 45 32
    14 50,588 46 32
    15 50,634 46 32
    16 50,679 46 32
    17 50,725 46 32
    18 50,771 46 32
    19 50,816 46 32
    20 50,862 46 32
    TOTAL $908 $635
  • 4
    LOCAL CD
    The Farmers Bank
    1.06%
    -
    $50,000
    48 Month
    Bank
    1.29x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    1.06%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 528 369
    2 50,528 533 373
    3 51,061 539 377
    4 51,599 544 381
    5 52,144 550 385
    6 52,694 556 389
    7 53,250 562 393
    8 53,811 568 397
    9 54,379 574 402
    10 54,953 580 406
    11 55,533 586 410
    12 56,118 592 414
    13 56,711 598 419
    14 57,309 605 423
    15 57,913 611 428
    16 58,524 617 432
    17 59,142 624 437
    18 59,766 631 441
    19 60,396 637 446
    20 61,034 644 451
    TOTAL $11,677 $8,174

    All calculations are for demonstration purposes only.

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