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 4.00% |
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 |
| Year | Rate 1.05% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 525 | 368 |
| 2 | 50,525 | 531 | 371 |
| 3 | 51,056 | 536 | 375 |
| 4 | 51,592 | 542 | 379 |
| 5 | 52,133 | 547 | 383 |
| 6 | 52,681 | 553 | 387 |
| 7 | 53,234 | 559 | 391 |
| 8 | 53,793 | 565 | 395 |
| 9 | 54,358 | 571 | 400 |
| 10 | 54,928 | 577 | 404 |
| 11 | 55,505 | 583 | 408 |
| 12 | 56,088 | 589 | 412 |
| 13 | 56,677 | 595 | 417 |
| 14 | 57,272 | 601 | 421 |
| 15 | 57,873 | 608 | 425 |
| 16 | 58,481 | 614 | 430 |
| 17 | 59,095 | 620 | 434 |
| 18 | 59,716 | 627 | 439 |
| 19 | 60,343 | 634 | 444 |
| 20 | 60,976 | 640 | 448 |
| TOTAL | $11,616 | $8,131 |
| Year | Rate 4.10% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,050 | 1,435 |
| 2 | 52,050 | 2,134 | 1,494 |
| 3 | 54,184 | 2,222 | 1,555 |
| 4 | 56,406 | 2,313 | 1,619 |
| 5 | 58,718 | 2,407 | 1,685 |
| 6 | 61,126 | 2,506 | 1,754 |
| 7 | 63,632 | 2,609 | 1,826 |
| 8 | 66,241 | 2,716 | 1,901 |
| 9 | 68,957 | 2,827 | 1,979 |
| 10 | 71,784 | 2,943 | 2,060 |
| 11 | 74,727 | 3,064 | 2,145 |
| 12 | 77,791 | 3,189 | 2,233 |
| 13 | 80,980 | 3,320 | 2,324 |
| 14 | 84,300 | 3,456 | 2,419 |
| 15 | 87,757 | 3,598 | 2,519 |
| 16 | 91,355 | 3,746 | 2,622 |
| 17 | 95,100 | 3,899 | 2,729 |
| 18 | 98,999 | 4,059 | 2,841 |
| 19 | 103,058 | 4,225 | 2,958 |
| 20 | 107,284 | 4,399 | 3,079 |
| TOTAL | $61,682 | $43,178 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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4.20% |
$1,000 |
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Last change: ↑0.05% on December 1. |
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4.15% |
$1,500 |
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Last change: ↓0.05% on December 1. |
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4.15% |
$1,000 |
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Last change: ↑0.10% on December 1. |
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4.10% |
$25,000 |
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Last change: ↓0.15% on November 26. |
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