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Comparison of Deposit Account from West Texas State Bank with 1.00% - April 2025


Long-Term Analysis of ServisFirst Bank with 0.71% APY and West Texas State Bank with 1.00% 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
    ServisFirst Bank
    0.71%
    -
    $50,000
    36 Month
    Bank
    0.94x (National Avg. - 0.75%)
    $100,000
     
    SCENARIO
    Year Rate
    0.71%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 355 249
    2 50,355 358 250
    3 50,713 360 252
    4 51,073 363 254
    5 51,435 365 256
    6 51,800 368 257
    7 52,168 370 259
    8 52,539 373 261
    9 52,912 376 263
    10 53,287 378 265
    11 53,666 381 267
    12 54,047 384 269
    13 54,430 386 271
    14 54,817 389 272
    15 55,206 392 274
    16 55,598 395 276
    17 55,993 398 278
    18 56,390 400 280
    19 56,791 403 282
    20 57,194 406 284
    TOTAL $7,600 $5,320
  • 2
    LOCAL CD
    West Texas State Bank
    1.00%
    -
    $50,000
    60 Month
    Bank
    1.09x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 502 351
    2 50,502 507 355
    3 51,009 512 358
    4 51,521 517 362
    5 52,038 522 366
    6 52,561 528 369
    7 53,089 533 373
    8 53,622 538 377
    9 54,160 544 381
    10 54,704 549 384
    11 55,253 555 388
    12 55,808 560 392
    13 56,368 566 396
    14 56,934 572 400
    15 57,506 577 404
    16 58,083 583 408
    17 58,666 589 412
    18 59,255 595 416
    19 59,850 601 421
    20 60,451 607 425
    TOTAL $11,058 $7,740

    All calculations are for demonstration purposes only.

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    Last Update on April 1, 2025

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