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 0.50% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 250 | 175 | 
| 2 | 50,250 | 251 | 176 | 
| 3 | 50,501 | 253 | 177 | 
| 4 | 50,754 | 254 | 178 | 
| 5 | 51,008 | 255 | 179 | 
| 6 | 51,263 | 256 | 179 | 
| 7 | 51,519 | 258 | 180 | 
| 8 | 51,776 | 259 | 181 | 
| 9 | 52,035 | 260 | 182 | 
| 10 | 52,296 | 261 | 183 | 
| 11 | 52,557 | 263 | 184 | 
| 12 | 52,820 | 264 | 185 | 
| 13 | 53,084 | 265 | 186 | 
| 14 | 53,349 | 267 | 187 | 
| 15 | 53,616 | 268 | 188 | 
| 16 | 53,884 | 269 | 189 | 
| 17 | 54,154 | 271 | 190 | 
| 18 | 54,424 | 272 | 190 | 
| 19 | 54,696 | 273 | 191 | 
| 20 | 54,970 | 275 | 192 | 
| TOTAL | $5,245 | $3,671 | 
| Year | Rate 0.13% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 65 | 46 | 
| 2 | 50,065 | 65 | 46 | 
| 3 | 50,130 | 65 | 46 | 
| 4 | 50,195 | 65 | 46 | 
| 5 | 50,261 | 65 | 46 | 
| 6 | 50,326 | 65 | 46 | 
| 7 | 50,391 | 66 | 46 | 
| 8 | 50,457 | 66 | 46 | 
| 9 | 50,522 | 66 | 46 | 
| 10 | 50,588 | 66 | 46 | 
| 11 | 50,654 | 66 | 46 | 
| 12 | 50,720 | 66 | 46 | 
| 13 | 50,786 | 66 | 46 | 
| 14 | 50,852 | 66 | 46 | 
| 15 | 50,918 | 66 | 46 | 
| 16 | 50,984 | 66 | 46 | 
| 17 | 51,050 | 66 | 46 | 
| 18 | 51,117 | 66 | 47 | 
| 19 | 51,183 | 67 | 47 | 
| 20 | 51,250 | 67 | 47 | 
| TOTAL | $1,316 | $921 | 
| Year | Rate 1.25% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 625 | 438 | 
| 2 | 50,625 | 633 | 443 | 
| 3 | 51,258 | 641 | 449 | 
| 4 | 51,899 | 649 | 454 | 
| 5 | 52,547 | 657 | 460 | 
| 6 | 53,204 | 665 | 466 | 
| 7 | 53,869 | 673 | 471 | 
| 8 | 54,543 | 682 | 477 | 
| 9 | 55,224 | 690 | 483 | 
| 10 | 55,915 | 699 | 489 | 
| 11 | 56,614 | 708 | 495 | 
| 12 | 57,321 | 717 | 502 | 
| 13 | 58,038 | 725 | 508 | 
| 14 | 58,763 | 735 | 514 | 
| 15 | 59,498 | 744 | 521 | 
| 16 | 60,241 | 753 | 527 | 
| 17 | 60,994 | 762 | 534 | 
| 18 | 61,757 | 772 | 540 | 
| 19 | 62,529 | 782 | 547 | 
| 20 | 63,310 | 791 | 554 | 
| TOTAL | $14,102 | $9,871 | 
| Year | Rate 0.50% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 250 | 175 | 
| 2 | 50,250 | 251 | 176 | 
| 3 | 50,501 | 253 | 177 | 
| 4 | 50,754 | 254 | 178 | 
| 5 | 51,008 | 255 | 179 | 
| 6 | 51,263 | 256 | 179 | 
| 7 | 51,519 | 258 | 180 | 
| 8 | 51,776 | 259 | 181 | 
| 9 | 52,035 | 260 | 182 | 
| 10 | 52,296 | 261 | 183 | 
| 11 | 52,557 | 263 | 184 | 
| 12 | 52,820 | 264 | 185 | 
| 13 | 53,084 | 265 | 186 | 
| 14 | 53,349 | 267 | 187 | 
| 15 | 53,616 | 268 | 188 | 
| 16 | 53,884 | 269 | 189 | 
| 17 | 54,154 | 271 | 190 | 
| 18 | 54,424 | 272 | 190 | 
| 19 | 54,696 | 273 | 191 | 
| 20 | 54,970 | 275 | 192 | 
| TOTAL | $5,245 | $3,671 | 
| Year | Rate 0.50% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 250 | 175 | 
| 2 | 50,250 | 251 | 176 | 
| 3 | 50,501 | 253 | 177 | 
| 4 | 50,754 | 254 | 178 | 
| 5 | 51,008 | 255 | 179 | 
| 6 | 51,263 | 256 | 179 | 
| 7 | 51,519 | 258 | 180 | 
| 8 | 51,776 | 259 | 181 | 
| 9 | 52,035 | 260 | 182 | 
| 10 | 52,296 | 261 | 183 | 
| 11 | 52,557 | 263 | 184 | 
| 12 | 52,820 | 264 | 185 | 
| 13 | 53,084 | 265 | 186 | 
| 14 | 53,349 | 267 | 187 | 
| 15 | 53,616 | 268 | 188 | 
| 16 | 53,884 | 269 | 189 | 
| 17 | 54,154 | 271 | 190 | 
| 18 | 54,424 | 272 | 190 | 
| 19 | 54,696 | 273 | 191 | 
| 20 | 54,970 | 275 | 192 | 
| TOTAL | $5,245 | $3,671 | 
| Year | Rate 0.20% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 100 | 70 | 
| 2 | 50,100 | 100 | 70 | 
| 3 | 50,200 | 100 | 70 | 
| 4 | 50,301 | 101 | 70 | 
| 5 | 50,401 | 101 | 71 | 
| 6 | 50,502 | 101 | 71 | 
| 7 | 50,603 | 101 | 71 | 
| 8 | 50,704 | 101 | 71 | 
| 9 | 50,806 | 102 | 71 | 
| 10 | 50,907 | 102 | 71 | 
| 11 | 51,009 | 102 | 71 | 
| 12 | 51,111 | 102 | 72 | 
| 13 | 51,213 | 102 | 72 | 
| 14 | 51,316 | 103 | 72 | 
| 15 | 51,418 | 103 | 72 | 
| 16 | 51,521 | 103 | 72 | 
| 17 | 51,624 | 103 | 72 | 
| 18 | 51,727 | 103 | 72 | 
| 19 | 51,831 | 104 | 73 | 
| 20 | 51,935 | 104 | 73 | 
| TOTAL | $2,038 | $1,427 | 
| Year | Rate 0.10% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 50 | 35 | 
| 2 | 50,050 | 50 | 35 | 
| 3 | 50,100 | 50 | 35 | 
| 4 | 50,150 | 50 | 35 | 
| 5 | 50,200 | 50 | 35 | 
| 6 | 50,251 | 50 | 35 | 
| 7 | 50,301 | 50 | 35 | 
| 8 | 50,351 | 50 | 35 | 
| 9 | 50,401 | 50 | 35 | 
| 10 | 50,452 | 50 | 35 | 
| 11 | 50,502 | 51 | 35 | 
| 12 | 50,553 | 51 | 35 | 
| 13 | 50,603 | 51 | 35 | 
| 14 | 50,654 | 51 | 35 | 
| 15 | 50,705 | 51 | 35 | 
| 16 | 50,755 | 51 | 36 | 
| 17 | 50,806 | 51 | 36 | 
| 18 | 50,857 | 51 | 36 | 
| 19 | 50,908 | 51 | 36 | 
| 20 | 50,959 | 51 | 36 | 
| TOTAL | $1,010 | $707 | 
| Year | Rate 0.10% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 50 | 35 | 
| 2 | 50,050 | 50 | 35 | 
| 3 | 50,100 | 50 | 35 | 
| 4 | 50,150 | 50 | 35 | 
| 5 | 50,200 | 50 | 35 | 
| 6 | 50,251 | 50 | 35 | 
| 7 | 50,301 | 50 | 35 | 
| 8 | 50,351 | 50 | 35 | 
| 9 | 50,401 | 50 | 35 | 
| 10 | 50,452 | 50 | 35 | 
| 11 | 50,502 | 51 | 35 | 
| 12 | 50,553 | 51 | 35 | 
| 13 | 50,603 | 51 | 35 | 
| 14 | 50,654 | 51 | 35 | 
| 15 | 50,705 | 51 | 35 | 
| 16 | 50,755 | 51 | 36 | 
| 17 | 50,806 | 51 | 36 | 
| 18 | 50,857 | 51 | 36 | 
| 19 | 50,908 | 51 | 36 | 
| 20 | 50,959 | 51 | 36 | 
| TOTAL | $1,010 | $707 | 
| Year | Rate 0.50% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 250 | 175 | 
| 2 | 50,250 | 251 | 176 | 
| 3 | 50,501 | 253 | 177 | 
| 4 | 50,754 | 254 | 178 | 
| 5 | 51,008 | 255 | 179 | 
| 6 | 51,263 | 256 | 179 | 
| 7 | 51,519 | 258 | 180 | 
| 8 | 51,776 | 259 | 181 | 
| 9 | 52,035 | 260 | 182 | 
| 10 | 52,296 | 261 | 183 | 
| 11 | 52,557 | 263 | 184 | 
| 12 | 52,820 | 264 | 185 | 
| 13 | 53,084 | 265 | 186 | 
| 14 | 53,349 | 267 | 187 | 
| 15 | 53,616 | 268 | 188 | 
| 16 | 53,884 | 269 | 189 | 
| 17 | 54,154 | 271 | 190 | 
| 18 | 54,424 | 272 | 190 | 
| 19 | 54,696 | 273 | 191 | 
| 20 | 54,970 | 275 | 192 | 
| TOTAL | $5,245 | $3,671 | 
| Year | Rate 0.70% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 350 | 245 | 
| 2 | 50,350 | 352 | 247 | 
| 3 | 50,702 | 355 | 248 | 
| 4 | 51,057 | 357 | 250 | 
| 5 | 51,415 | 360 | 252 | 
| 6 | 51,775 | 362 | 254 | 
| 7 | 52,137 | 365 | 255 | 
| 8 | 52,502 | 368 | 257 | 
| 9 | 52,870 | 370 | 259 | 
| 10 | 53,240 | 373 | 261 | 
| 11 | 53,612 | 375 | 263 | 
| 12 | 53,988 | 378 | 265 | 
| 13 | 54,366 | 381 | 266 | 
| 14 | 54,746 | 383 | 268 | 
| 15 | 55,129 | 386 | 270 | 
| 16 | 55,515 | 389 | 272 | 
| 17 | 55,904 | 391 | 274 | 
| 18 | 56,295 | 394 | 276 | 
| 19 | 56,689 | 397 | 278 | 
| 20 | 57,086 | 400 | 280 | 
| TOTAL | $7,486 | $5,240 | 
| Year | Rate 0.15% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 75 | 53 | 
| 2 | 50,075 | 75 | 53 | 
| 3 | 50,150 | 75 | 53 | 
| 4 | 50,225 | 75 | 53 | 
| 5 | 50,301 | 75 | 53 | 
| 6 | 50,376 | 76 | 53 | 
| 7 | 50,452 | 76 | 53 | 
| 8 | 50,527 | 76 | 53 | 
| 9 | 50,603 | 76 | 53 | 
| 10 | 50,679 | 76 | 53 | 
| 11 | 50,755 | 76 | 53 | 
| 12 | 50,831 | 76 | 53 | 
| 13 | 50,907 | 76 | 53 | 
| 14 | 50,984 | 76 | 54 | 
| 15 | 51,060 | 77 | 54 | 
| 16 | 51,137 | 77 | 54 | 
| 17 | 51,214 | 77 | 54 | 
| 18 | 51,290 | 77 | 54 | 
| 19 | 51,367 | 77 | 54 | 
| 20 | 51,444 | 77 | 54 | 
| TOTAL | $1,522 | $1,065 | 
| Year | Rate 0.20% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 100 | 70 | 
| 2 | 50,100 | 100 | 70 | 
| 3 | 50,200 | 100 | 70 | 
| 4 | 50,301 | 101 | 70 | 
| 5 | 50,401 | 101 | 71 | 
| 6 | 50,502 | 101 | 71 | 
| 7 | 50,603 | 101 | 71 | 
| 8 | 50,704 | 101 | 71 | 
| 9 | 50,806 | 102 | 71 | 
| 10 | 50,907 | 102 | 71 | 
| 11 | 51,009 | 102 | 71 | 
| 12 | 51,111 | 102 | 72 | 
| 13 | 51,213 | 102 | 72 | 
| 14 | 51,316 | 103 | 72 | 
| 15 | 51,418 | 103 | 72 | 
| 16 | 51,521 | 103 | 72 | 
| 17 | 51,624 | 103 | 72 | 
| 18 | 51,727 | 103 | 72 | 
| 19 | 51,831 | 104 | 73 | 
| 20 | 51,935 | 104 | 73 | 
| TOTAL | $2,038 | $1,427 | 
| Year | Rate 1.31% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 655 | 459 | 
| 2 | 50,655 | 664 | 465 | 
| 3 | 51,319 | 672 | 471 | 
| 4 | 51,991 | 681 | 477 | 
| 5 | 52,672 | 690 | 483 | 
| 6 | 53,362 | 699 | 489 | 
| 7 | 54,061 | 708 | 496 | 
| 8 | 54,769 | 717 | 502 | 
| 9 | 55,487 | 727 | 509 | 
| 10 | 56,214 | 736 | 515 | 
| 11 | 56,950 | 746 | 522 | 
| 12 | 57,696 | 756 | 529 | 
| 13 | 58,452 | 766 | 536 | 
| 14 | 59,218 | 776 | 543 | 
| 15 | 59,993 | 786 | 550 | 
| 16 | 60,779 | 796 | 557 | 
| 17 | 61,575 | 807 | 565 | 
| 18 | 62,382 | 817 | 572 | 
| 19 | 63,199 | 828 | 580 | 
| 20 | 64,027 | 839 | 587 | 
| TOTAL | $14,866 | $10,406 | 
| Year | Rate 1.50% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 750 | 525 | 
| 2 | 50,750 | 761 | 533 | 
| 3 | 51,511 | 773 | 541 | 
| 4 | 52,284 | 784 | 549 | 
| 5 | 53,068 | 796 | 557 | 
| 6 | 53,864 | 808 | 566 | 
| 7 | 54,672 | 820 | 574 | 
| 8 | 55,492 | 832 | 583 | 
| 9 | 56,325 | 845 | 591 | 
| 10 | 57,169 | 858 | 600 | 
| 11 | 58,027 | 870 | 609 | 
| 12 | 58,897 | 883 | 618 | 
| 13 | 59,781 | 897 | 628 | 
| 14 | 60,678 | 910 | 637 | 
| 15 | 61,588 | 924 | 647 | 
| 16 | 62,512 | 938 | 656 | 
| 17 | 63,449 | 952 | 666 | 
| 18 | 64,401 | 966 | 676 | 
| 19 | 65,367 | 981 | 686 | 
| 20 | 66,348 | 995 | 697 | 
| TOTAL | $17,343 | $12,140 | 
| Year | Rate 0.14% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 70 | 49 | 
| 2 | 50,070 | 70 | 49 | 
| 3 | 50,140 | 70 | 49 | 
| 4 | 50,210 | 70 | 49 | 
| 5 | 50,281 | 70 | 49 | 
| 6 | 50,351 | 70 | 49 | 
| 7 | 50,421 | 71 | 49 | 
| 8 | 50,492 | 71 | 49 | 
| 9 | 50,563 | 71 | 50 | 
| 10 | 50,634 | 71 | 50 | 
| 11 | 50,704 | 71 | 50 | 
| 12 | 50,775 | 71 | 50 | 
| 13 | 50,846 | 71 | 50 | 
| 14 | 50,918 | 71 | 50 | 
| 15 | 50,989 | 71 | 50 | 
| 16 | 51,060 | 71 | 50 | 
| 17 | 51,132 | 72 | 50 | 
| 18 | 51,203 | 72 | 50 | 
| 19 | 51,275 | 72 | 50 | 
| 20 | 51,347 | 72 | 50 | 
| TOTAL | $1,419 | $993 | 
| Year | Rate 0.05% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 25 | 18 | 
| 2 | 50,025 | 25 | 18 | 
| 3 | 50,050 | 25 | 18 | 
| 4 | 50,075 | 25 | 18 | 
| 5 | 50,100 | 25 | 18 | 
| 6 | 50,125 | 25 | 18 | 
| 7 | 50,150 | 25 | 18 | 
| 8 | 50,175 | 25 | 18 | 
| 9 | 50,200 | 25 | 18 | 
| 10 | 50,225 | 25 | 18 | 
| 11 | 50,251 | 25 | 18 | 
| 12 | 50,276 | 25 | 18 | 
| 13 | 50,301 | 25 | 18 | 
| 14 | 50,326 | 25 | 18 | 
| 15 | 50,351 | 25 | 18 | 
| 16 | 50,376 | 25 | 18 | 
| 17 | 50,402 | 25 | 18 | 
| 18 | 50,427 | 25 | 18 | 
| 19 | 50,452 | 25 | 18 | 
| 20 | 50,477 | 25 | 18 | 
| TOTAL | $502 | $352 | 
| Year | Rate 0.45% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 225 | 158 | 
| 2 | 50,225 | 226 | 158 | 
| 3 | 50,451 | 227 | 159 | 
| 4 | 50,678 | 228 | 160 | 
| 5 | 50,906 | 229 | 160 | 
| 6 | 51,135 | 230 | 161 | 
| 7 | 51,365 | 231 | 162 | 
| 8 | 51,596 | 232 | 163 | 
| 9 | 51,829 | 233 | 163 | 
| 10 | 52,062 | 234 | 164 | 
| 11 | 52,296 | 235 | 165 | 
| 12 | 52,531 | 236 | 165 | 
| 13 | 52,768 | 237 | 166 | 
| 14 | 53,005 | 239 | 167 | 
| 15 | 53,244 | 240 | 168 | 
| 16 | 53,483 | 241 | 168 | 
| 17 | 53,724 | 242 | 169 | 
| 18 | 53,966 | 243 | 170 | 
| 19 | 54,209 | 244 | 171 | 
| 20 | 54,453 | 245 | 172 | 
| TOTAL | $4,698 | $3,288 | 
| 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 0.60% | Annual Interest | Annual Interest (After Tax) | 
| 1 | 50,000 | 300 | 210 | 
| 2 | 50,300 | 302 | 211 | 
| 3 | 50,602 | 304 | 213 | 
| 4 | 50,905 | 305 | 214 | 
| 5 | 51,211 | 307 | 215 | 
| 6 | 51,518 | 309 | 216 | 
| 7 | 51,827 | 311 | 218 | 
| 8 | 52,138 | 313 | 219 | 
| 9 | 52,451 | 315 | 220 | 
| 10 | 52,766 | 317 | 222 | 
| 11 | 53,082 | 318 | 223 | 
| 12 | 53,401 | 320 | 224 | 
| 13 | 53,721 | 322 | 226 | 
| 14 | 54,044 | 324 | 227 | 
| 15 | 54,368 | 326 | 228 | 
| 16 | 54,694 | 328 | 230 | 
| 17 | 55,022 | 330 | 231 | 
| 18 | 55,352 | 332 | 232 | 
| 19 | 55,684 | 334 | 234 | 
| 20 | 56,019 | 336 | 235 | 
| TOTAL | $6,355 | $4,448 | 
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|  | 4.35% | $1,000 | Learn More | |
| Last change: ↑2.35% on September 16. | ||||
|  | 4.34% | $500 | Learn More | |
| Last change: ↑1.66% on April 4. | ||||
|  | 4.34% | $500 | Learn More | |
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                               Last change: ↑0.66% on February 4. | ||||
|  | 4.30% | $50,000 | Learn More | |
| Last change: ↓0.15% on September 23. | ||||
|  | 4.25% | $25,000 | Learn More | |
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                               Last change: ↓0.16% on September 18. | ||||