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 3.35% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,675 | 1,173 |
| 2 | 51,675 | 1,731 | 1,212 |
| 3 | 53,406 | 1,789 | 1,252 |
| 4 | 55,195 | 1,849 | 1,294 |
| 5 | 57,044 | 1,911 | 1,338 |
| 6 | 58,955 | 1,975 | 1,383 |
| 7 | 60,930 | 2,041 | 1,429 |
| 8 | 62,971 | 2,110 | 1,477 |
| 9 | 65,081 | 2,180 | 1,526 |
| 10 | 67,261 | 2,253 | 1,577 |
| 11 | 69,514 | 2,329 | 1,630 |
| 12 | 71,843 | 2,407 | 1,685 |
| 13 | 74,250 | 2,487 | 1,741 |
| 14 | 76,737 | 2,571 | 1,799 |
| 15 | 79,308 | 2,657 | 1,860 |
| 16 | 81,965 | 2,746 | 1,922 |
| 17 | 84,711 | 2,838 | 1,986 |
| 18 | 87,548 | 2,933 | 2,053 |
| 19 | 90,481 | 3,031 | 2,122 |
| 20 | 93,512 | 3,133 | 2,193 |
| TOTAL | $46,645 | $32,652 |
| Year | Rate 3.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,625 | 1,138 |
| 2 | 51,625 | 1,678 | 1,174 |
| 3 | 53,303 | 1,732 | 1,213 |
| 4 | 55,035 | 1,789 | 1,252 |
| 5 | 56,824 | 1,847 | 1,293 |
| 6 | 58,671 | 1,907 | 1,335 |
| 7 | 60,577 | 1,969 | 1,378 |
| 8 | 62,546 | 2,033 | 1,423 |
| 9 | 64,579 | 2,099 | 1,469 |
| 10 | 66,678 | 2,167 | 1,517 |
| 11 | 68,845 | 2,237 | 1,566 |
| 12 | 71,082 | 2,310 | 1,617 |
| 13 | 73,392 | 2,385 | 1,670 |
| 14 | 75,778 | 2,463 | 1,724 |
| 15 | 78,240 | 2,543 | 1,780 |
| 16 | 80,783 | 2,625 | 1,838 |
| 17 | 83,409 | 2,711 | 1,898 |
| 18 | 86,119 | 2,799 | 1,959 |
| 19 | 88,918 | 2,890 | 2,023 |
| 20 | 91,808 | 2,984 | 2,089 |
| TOTAL | $44,792 | $31,354 |
| Year | Rate 3.20% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,600 | 1,120 |
| 2 | 51,600 | 1,651 | 1,156 |
| 3 | 53,251 | 1,704 | 1,193 |
| 4 | 54,955 | 1,759 | 1,231 |
| 5 | 56,714 | 1,815 | 1,270 |
| 6 | 58,529 | 1,873 | 1,311 |
| 7 | 60,402 | 1,933 | 1,353 |
| 8 | 62,334 | 1,995 | 1,396 |
| 9 | 64,329 | 2,059 | 1,441 |
| 10 | 66,388 | 2,124 | 1,487 |
| 11 | 68,512 | 2,192 | 1,535 |
| 12 | 70,704 | 2,263 | 1,584 |
| 13 | 72,967 | 2,335 | 1,634 |
| 14 | 75,302 | 2,410 | 1,687 |
| 15 | 77,712 | 2,487 | 1,741 |
| 16 | 80,198 | 2,566 | 1,796 |
| 17 | 82,765 | 2,648 | 1,854 |
| 18 | 85,413 | 2,733 | 1,913 |
| 19 | 88,146 | 2,821 | 1,974 |
| 20 | 90,967 | 2,911 | 2,038 |
| TOTAL | $43,878 | $30,715 |
| 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? | ||
|---|---|---|---|---|
|
|
4.55% |
$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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|
|
4.45% |
$1,500 |
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Last change: ↑0.10% on July 13. |
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|
|
4.45% |
$50,000 |
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Last change: ↓0.05% on August 2. |
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4.45% |
$50,000 |
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Last change: ↓0.05% on April 30. |
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