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 4.91% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,455 | 1,719 |
| 2 | 52,455 | 2,576 | 1,803 |
| 3 | 55,031 | 2,702 | 1,891 |
| 4 | 57,733 | 2,835 | 1,984 |
| 5 | 60,567 | 2,974 | 2,082 |
| 6 | 63,541 | 3,120 | 2,184 |
| 7 | 66,661 | 3,273 | 2,291 |
| 8 | 69,934 | 3,434 | 2,404 |
| 9 | 73,368 | 3,602 | 2,522 |
| 10 | 76,970 | 3,779 | 2,645 |
| 11 | 80,749 | 3,965 | 2,775 |
| 12 | 84,714 | 4,159 | 2,912 |
| 13 | 88,874 | 4,364 | 3,055 |
| 14 | 93,237 | 4,578 | 3,205 |
| 15 | 97,815 | 4,803 | 3,362 |
| 16 | 102,618 | 5,039 | 3,527 |
| 17 | 107,656 | 5,286 | 3,700 |
| 18 | 112,942 | 5,545 | 3,882 |
| 19 | 118,488 | 5,818 | 4,072 |
| 20 | 124,306 | 6,103 | 4,272 |
| TOTAL | $80,409 | $56,286 |
| Year | Rate 4.07% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,035 | 1,425 |
| 2 | 52,035 | 2,118 | 1,482 |
| 3 | 54,153 | 2,204 | 1,543 |
| 4 | 56,357 | 2,294 | 1,606 |
| 5 | 58,651 | 2,387 | 1,671 |
| 6 | 61,038 | 2,484 | 1,739 |
| 7 | 63,522 | 2,585 | 1,810 |
| 8 | 66,107 | 2,691 | 1,883 |
| 9 | 68,798 | 2,800 | 1,960 |
| 10 | 71,598 | 2,914 | 2,040 |
| 11 | 74,512 | 3,033 | 2,123 |
| 12 | 77,545 | 3,156 | 2,209 |
| 13 | 80,701 | 3,285 | 2,299 |
| 14 | 83,985 | 3,418 | 2,393 |
| 15 | 87,403 | 3,557 | 2,490 |
| 16 | 90,961 | 3,702 | 2,591 |
| 17 | 94,663 | 3,853 | 2,697 |
| 18 | 98,515 | 4,010 | 2,807 |
| 19 | 102,525 | 4,173 | 2,921 |
| 20 | 106,698 | 4,343 | 3,040 |
| TOTAL | $61,040 | $42,728 |
| Year | Rate 4.33% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,165 | 1,516 |
| 2 | 52,165 | 2,259 | 1,581 |
| 3 | 54,424 | 2,357 | 1,650 |
| 4 | 56,780 | 2,459 | 1,721 |
| 5 | 59,239 | 2,565 | 1,796 |
| 6 | 61,804 | 2,676 | 1,873 |
| 7 | 64,480 | 2,792 | 1,954 |
| 8 | 67,272 | 2,913 | 2,039 |
| 9 | 70,185 | 3,039 | 2,127 |
| 10 | 73,224 | 3,171 | 2,219 |
| 11 | 76,394 | 3,308 | 2,316 |
| 12 | 79,702 | 3,451 | 2,416 |
| 13 | 83,153 | 3,601 | 2,520 |
| 14 | 86,754 | 3,756 | 2,630 |
| 15 | 90,510 | 3,919 | 2,743 |
| 16 | 94,430 | 4,089 | 2,862 |
| 17 | 98,518 | 4,266 | 2,986 |
| 18 | 102,784 | 4,451 | 3,115 |
| 19 | 107,235 | 4,643 | 3,250 |
| 20 | 111,878 | 4,844 | 3,391 |
| TOTAL | $66,722 | $46,706 |
| Year | Rate 4.28% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,140 | 1,498 |
| 2 | 52,140 | 2,232 | 1,562 |
| 3 | 54,372 | 2,327 | 1,629 |
| 4 | 56,699 | 2,427 | 1,699 |
| 5 | 59,125 | 2,531 | 1,771 |
| 6 | 61,656 | 2,639 | 1,847 |
| 7 | 64,295 | 2,752 | 1,926 |
| 8 | 67,047 | 2,870 | 2,009 |
| 9 | 69,916 | 2,992 | 2,095 |
| 10 | 72,909 | 3,120 | 2,184 |
| 11 | 76,029 | 3,254 | 2,278 |
| 12 | 79,283 | 3,393 | 2,375 |
| 13 | 82,677 | 3,539 | 2,477 |
| 14 | 86,215 | 3,690 | 2,583 |
| 15 | 89,905 | 3,848 | 2,694 |
| 16 | 93,753 | 4,013 | 2,809 |
| 17 | 97,766 | 4,184 | 2,929 |
| 18 | 101,950 | 4,363 | 3,054 |
| 19 | 106,313 | 4,550 | 3,185 |
| 20 | 110,864 | 4,745 | 3,321 |
| TOTAL | $65,609 | $45,926 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.55% |
$1,000 |
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Last change: ↓0.50% on October 1, 2024. |
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|
|
4.50% |
$500 |
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Last change: ↑0.20% on January 18. |
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|
|
4.50% |
$50,000 |
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Last change: ↑0.20% on April 9. |
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|
|
4.46% |
$50,000 |
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Last change: ↑0.26% on April 9. |
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|
4.45% |
$1,500 |
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Last change: ↑0.10% on July 13. |
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