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 2.90% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,450 | 1,015 |
| 2 | 51,450 | 1,492 | 1,044 |
| 3 | 52,942 | 1,535 | 1,075 |
| 4 | 54,477 | 1,580 | 1,106 |
| 5 | 56,057 | 1,626 | 1,138 |
| 6 | 57,683 | 1,673 | 1,171 |
| 7 | 59,356 | 1,721 | 1,205 |
| 8 | 61,077 | 1,771 | 1,240 |
| 9 | 62,848 | 1,823 | 1,276 |
| 10 | 64,671 | 1,875 | 1,313 |
| 11 | 66,546 | 1,930 | 1,351 |
| 12 | 68,476 | 1,986 | 1,390 |
| 13 | 70,462 | 2,043 | 1,430 |
| 14 | 72,505 | 2,103 | 1,472 |
| 15 | 74,608 | 2,164 | 1,515 |
| 16 | 76,772 | 2,226 | 1,558 |
| 17 | 78,998 | 2,291 | 1,604 |
| 18 | 81,289 | 2,357 | 1,650 |
| 19 | 83,646 | 2,426 | 1,698 |
| 20 | 86,072 | 2,496 | 1,747 |
| TOTAL | $38,568 | $26,998 |
| Year | Rate 4.13% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,065 | 1,446 |
| 2 | 52,065 | 2,150 | 1,505 |
| 3 | 54,215 | 2,239 | 1,567 |
| 4 | 56,454 | 2,332 | 1,632 |
| 5 | 58,786 | 2,428 | 1,700 |
| 6 | 61,214 | 2,528 | 1,770 |
| 7 | 63,742 | 2,633 | 1,843 |
| 8 | 66,374 | 2,741 | 1,919 |
| 9 | 69,116 | 2,854 | 1,998 |
| 10 | 71,970 | 2,972 | 2,081 |
| 11 | 74,943 | 3,095 | 2,167 |
| 12 | 78,038 | 3,223 | 2,256 |
| 13 | 81,261 | 3,356 | 2,349 |
| 14 | 84,617 | 3,495 | 2,446 |
| 15 | 88,111 | 3,639 | 2,547 |
| 16 | 91,750 | 3,789 | 2,653 |
| 17 | 95,540 | 3,946 | 2,762 |
| 18 | 99,485 | 4,109 | 2,876 |
| 19 | 103,594 | 4,278 | 2,995 |
| 20 | 107,873 | 4,455 | 3,119 |
| TOTAL | $62,328 | $43,629 |
| Year | Rate 0.51% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 255 | 179 |
| 2 | 50,255 | 256 | 179 |
| 3 | 50,511 | 258 | 180 |
| 4 | 50,769 | 259 | 181 |
| 5 | 51,028 | 260 | 182 |
| 6 | 51,288 | 262 | 183 |
| 7 | 51,550 | 263 | 184 |
| 8 | 51,813 | 264 | 185 |
| 9 | 52,077 | 266 | 186 |
| 10 | 52,342 | 267 | 187 |
| 11 | 52,609 | 268 | 188 |
| 12 | 52,878 | 270 | 189 |
| 13 | 53,147 | 271 | 190 |
| 14 | 53,418 | 272 | 191 |
| 15 | 53,691 | 274 | 192 |
| 16 | 53,965 | 275 | 193 |
| 17 | 54,240 | 277 | 194 |
| 18 | 54,516 | 278 | 195 |
| 19 | 54,794 | 279 | 196 |
| 20 | 55,074 | 281 | 197 |
| TOTAL | $5,355 | $3,748 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.20% |
$50,000 |
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Last change: ↑0.20% on December 7. |
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|
|
4.15% |
$500 |
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Last change: ↑0.15% on December 22. |
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|
|
4.10% |
$1,000 |
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|
|
4.10% |
$2,500 |
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Last change: ↑0.20% on December 7. |
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4.10% |
$0 |
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Last change: ↑0.10% on November 3. |
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