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 0.90% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 450 | 315 |
| 2 | 50,450 | 454 | 318 |
| 3 | 50,904 | 458 | 321 |
| 4 | 51,362 | 462 | 324 |
| 5 | 51,824 | 466 | 326 |
| 6 | 52,291 | 471 | 329 |
| 7 | 52,761 | 475 | 332 |
| 8 | 53,236 | 479 | 335 |
| 9 | 53,715 | 483 | 338 |
| 10 | 54,199 | 488 | 341 |
| 11 | 54,687 | 492 | 345 |
| 12 | 55,179 | 497 | 348 |
| 13 | 55,675 | 501 | 351 |
| 14 | 56,177 | 506 | 354 |
| 15 | 56,682 | 510 | 357 |
| 16 | 57,192 | 515 | 360 |
| 17 | 57,707 | 519 | 364 |
| 18 | 58,226 | 524 | 367 |
| 19 | 58,750 | 529 | 370 |
| 20 | 59,279 | 534 | 373 |
| TOTAL | $9,813 | $6,869 |
| Year | Rate 4.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,125 | 1,488 |
| 2 | 52,125 | 2,215 | 1,551 |
| 3 | 54,340 | 2,309 | 1,617 |
| 4 | 56,650 | 2,408 | 1,685 |
| 5 | 59,057 | 2,510 | 1,757 |
| 6 | 61,567 | 2,617 | 1,832 |
| 7 | 64,184 | 2,728 | 1,909 |
| 8 | 66,912 | 2,844 | 1,991 |
| 9 | 69,756 | 2,965 | 2,075 |
| 10 | 72,720 | 3,091 | 2,163 |
| 11 | 75,811 | 3,222 | 2,255 |
| 12 | 79,033 | 3,359 | 2,351 |
| 13 | 82,392 | 3,502 | 2,451 |
| 14 | 85,893 | 3,650 | 2,555 |
| 15 | 89,544 | 3,806 | 2,664 |
| 16 | 93,349 | 3,967 | 2,777 |
| 17 | 97,317 | 4,136 | 2,895 |
| 18 | 101,453 | 4,312 | 3,018 |
| 19 | 105,764 | 4,495 | 3,146 |
| 20 | 110,259 | 4,686 | 3,280 |
| TOTAL | $64,945 | $45,462 |
| Year | Rate 3.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,500 | 1,050 |
| 2 | 51,500 | 1,545 | 1,082 |
| 3 | 53,045 | 1,591 | 1,114 |
| 4 | 54,636 | 1,639 | 1,147 |
| 5 | 56,275 | 1,688 | 1,182 |
| 6 | 57,964 | 1,739 | 1,217 |
| 7 | 59,703 | 1,791 | 1,254 |
| 8 | 61,494 | 1,845 | 1,291 |
| 9 | 63,339 | 1,900 | 1,330 |
| 10 | 65,239 | 1,957 | 1,370 |
| 11 | 67,196 | 2,016 | 1,411 |
| 12 | 69,212 | 2,076 | 1,453 |
| 13 | 71,288 | 2,139 | 1,497 |
| 14 | 73,427 | 2,203 | 1,542 |
| 15 | 75,629 | 2,269 | 1,588 |
| 16 | 77,898 | 2,337 | 1,636 |
| 17 | 80,235 | 2,407 | 1,685 |
| 18 | 82,642 | 2,479 | 1,735 |
| 19 | 85,122 | 2,554 | 1,788 |
| 20 | 87,675 | 2,630 | 1,841 |
| TOTAL | $40,306 | $28,214 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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|
|
4.20% |
$1,500 |
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Last change: ↓0.10% on October 13. |
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|
|
4.15% |
$1,000 |
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Last change: ↓0.15% on October 13. |
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|
|
4.15% |
$500 |
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|
|
4.10% |
$25,000 |
Learn More | |
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Last change: ↓0.15% on November 26. |
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