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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| 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 |
| Year | Rate 1.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 500 | 350 |
| 2 | 50,500 | 505 | 354 |
| 3 | 51,005 | 510 | 357 |
| 4 | 51,515 | 515 | 361 |
| 5 | 52,030 | 520 | 364 |
| 6 | 52,551 | 526 | 368 |
| 7 | 53,076 | 531 | 372 |
| 8 | 53,607 | 536 | 375 |
| 9 | 54,143 | 541 | 379 |
| 10 | 54,684 | 547 | 383 |
| 11 | 55,231 | 552 | 387 |
| 12 | 55,783 | 558 | 390 |
| 13 | 56,341 | 563 | 394 |
| 14 | 56,905 | 569 | 398 |
| 15 | 57,474 | 575 | 402 |
| 16 | 58,048 | 580 | 406 |
| 17 | 58,629 | 586 | 410 |
| 18 | 59,215 | 592 | 415 |
| 19 | 59,807 | 598 | 419 |
| 20 | 60,405 | 604 | 423 |
| TOTAL | $11,010 | $7,707 |
| Year | Rate 0.05% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 25 | 18 |
| 2 | 50,025 | 25 | 18 |
| 3 | 50,050 | 25 | 18 |
| 4 | 50,075 | 25 | 18 |
| 5 | 50,100 | 25 | 18 |
| 6 | 50,125 | 25 | 18 |
| 7 | 50,150 | 25 | 18 |
| 8 | 50,175 | 25 | 18 |
| 9 | 50,200 | 25 | 18 |
| 10 | 50,225 | 25 | 18 |
| 11 | 50,251 | 25 | 18 |
| 12 | 50,276 | 25 | 18 |
| 13 | 50,301 | 25 | 18 |
| 14 | 50,326 | 25 | 18 |
| 15 | 50,351 | 25 | 18 |
| 16 | 50,376 | 25 | 18 |
| 17 | 50,402 | 25 | 18 |
| 18 | 50,427 | 25 | 18 |
| 19 | 50,452 | 25 | 18 |
| 20 | 50,477 | 25 | 18 |
| TOTAL | $502 | $352 |
| Year | Rate 4.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,000 | 1,400 |
| 2 | 52,000 | 2,080 | 1,456 |
| 3 | 54,080 | 2,163 | 1,514 |
| 4 | 56,243 | 2,250 | 1,575 |
| 5 | 58,493 | 2,340 | 1,638 |
| 6 | 60,833 | 2,433 | 1,703 |
| 7 | 63,266 | 2,531 | 1,771 |
| 8 | 65,797 | 2,632 | 1,842 |
| 9 | 68,428 | 2,737 | 1,916 |
| 10 | 71,166 | 2,847 | 1,993 |
| 11 | 74,012 | 2,960 | 2,072 |
| 12 | 76,973 | 3,079 | 2,155 |
| 13 | 80,052 | 3,202 | 2,241 |
| 14 | 83,254 | 3,330 | 2,331 |
| 15 | 86,584 | 3,463 | 2,424 |
| 16 | 90,047 | 3,602 | 2,521 |
| 17 | 93,649 | 3,746 | 2,622 |
| 18 | 97,395 | 3,896 | 2,727 |
| 19 | 101,291 | 4,052 | 2,836 |
| 20 | 105,342 | 4,214 | 2,950 |
| TOTAL | $59,556 | $41,689 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
6.00% |
$5,000 |
Learn More | |
|
5 Month CD Special. Must be linked to a standard consumer or business checking account in which 12.6% of the total combined balance is maintained. Otherwise APY is 5.25%. |
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|
|
5.51% |
$25,000 |
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|
Last change: ↓0.15% on May 13. |
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|
|
5.49% |
$50,000 |
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|
Last change: ↑0.09% on March 12. |
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|
|
5.46% |
$1,000 |
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|
Last change: ↓0.05% on May 9. |
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|
|
5.41% |
$50,000 |
Learn More | |
|
Last change: ↓0.36% on March 12. |
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