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 0.70% |
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 1.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 500 | 350 |
2 | 50,500 | 505 | 354 |
3 | 51,005 | 510 | 357 |
4 | 51,515 | 515 | 361 |
5 | 52,030 | 520 | 364 |
6 | 52,551 | 526 | 368 |
7 | 53,076 | 531 | 372 |
8 | 53,607 | 536 | 375 |
9 | 54,143 | 541 | 379 |
10 | 54,684 | 547 | 383 |
11 | 55,231 | 552 | 387 |
12 | 55,783 | 558 | 390 |
13 | 56,341 | 563 | 394 |
14 | 56,905 | 569 | 398 |
15 | 57,474 | 575 | 402 |
16 | 58,048 | 580 | 406 |
17 | 58,629 | 586 | 410 |
18 | 59,215 | 592 | 415 |
19 | 59,807 | 598 | 419 |
20 | 60,405 | 604 | 423 |
TOTAL | $11,010 | $7,707 |
Year | Rate 0.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 125 | 88 |
2 | 50,125 | 125 | 88 |
3 | 50,250 | 126 | 88 |
4 | 50,376 | 126 | 88 |
5 | 50,502 | 126 | 88 |
6 | 50,628 | 127 | 89 |
7 | 50,755 | 127 | 89 |
8 | 50,882 | 127 | 89 |
9 | 51,009 | 128 | 89 |
10 | 51,136 | 128 | 89 |
11 | 51,264 | 128 | 90 |
12 | 51,392 | 128 | 90 |
13 | 51,521 | 129 | 90 |
14 | 51,650 | 129 | 90 |
15 | 51,779 | 129 | 91 |
16 | 51,908 | 130 | 91 |
17 | 52,038 | 130 | 91 |
18 | 52,168 | 130 | 91 |
19 | 52,298 | 131 | 92 |
20 | 52,429 | 131 | 92 |
TOTAL | $2,560 | $1,792 |
Year | Rate 0.30% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 150 | 105 |
2 | 50,150 | 150 | 105 |
3 | 50,300 | 151 | 106 |
4 | 50,451 | 151 | 106 |
5 | 50,603 | 152 | 106 |
6 | 50,755 | 152 | 107 |
7 | 50,907 | 153 | 107 |
8 | 51,059 | 153 | 107 |
9 | 51,213 | 154 | 108 |
10 | 51,366 | 154 | 108 |
11 | 51,520 | 155 | 108 |
12 | 51,675 | 155 | 109 |
13 | 51,830 | 155 | 109 |
14 | 51,985 | 156 | 109 |
15 | 52,141 | 156 | 109 |
16 | 52,298 | 157 | 110 |
17 | 52,455 | 157 | 110 |
18 | 52,612 | 158 | 110 |
19 | 52,770 | 158 | 111 |
20 | 52,928 | 159 | 111 |
TOTAL | $3,087 | $2,161 |
Year | Rate 0.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 125 | 88 |
2 | 50,125 | 125 | 88 |
3 | 50,250 | 126 | 88 |
4 | 50,376 | 126 | 88 |
5 | 50,502 | 126 | 88 |
6 | 50,628 | 127 | 89 |
7 | 50,755 | 127 | 89 |
8 | 50,882 | 127 | 89 |
9 | 51,009 | 128 | 89 |
10 | 51,136 | 128 | 89 |
11 | 51,264 | 128 | 90 |
12 | 51,392 | 128 | 90 |
13 | 51,521 | 129 | 90 |
14 | 51,650 | 129 | 90 |
15 | 51,779 | 129 | 91 |
16 | 51,908 | 130 | 91 |
17 | 52,038 | 130 | 91 |
18 | 52,168 | 130 | 91 |
19 | 52,298 | 131 | 92 |
20 | 52,429 | 131 | 92 |
TOTAL | $2,560 | $1,792 |
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 1.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 500 | 350 |
2 | 50,500 | 505 | 354 |
3 | 51,005 | 510 | 357 |
4 | 51,515 | 515 | 361 |
5 | 52,030 | 520 | 364 |
6 | 52,551 | 526 | 368 |
7 | 53,076 | 531 | 372 |
8 | 53,607 | 536 | 375 |
9 | 54,143 | 541 | 379 |
10 | 54,684 | 547 | 383 |
11 | 55,231 | 552 | 387 |
12 | 55,783 | 558 | 390 |
13 | 56,341 | 563 | 394 |
14 | 56,905 | 569 | 398 |
15 | 57,474 | 575 | 402 |
16 | 58,048 | 580 | 406 |
17 | 58,629 | 586 | 410 |
18 | 59,215 | 592 | 415 |
19 | 59,807 | 598 | 419 |
20 | 60,405 | 604 | 423 |
TOTAL | $11,010 | $7,707 |
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 2.40% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,200 | 840 |
2 | 51,200 | 1,229 | 860 |
3 | 52,429 | 1,258 | 881 |
4 | 53,687 | 1,288 | 902 |
5 | 54,976 | 1,319 | 924 |
6 | 56,295 | 1,351 | 946 |
7 | 57,646 | 1,384 | 968 |
8 | 59,030 | 1,417 | 992 |
9 | 60,446 | 1,451 | 1,015 |
10 | 61,897 | 1,486 | 1,040 |
11 | 63,383 | 1,521 | 1,065 |
12 | 64,904 | 1,558 | 1,090 |
13 | 66,461 | 1,595 | 1,117 |
14 | 68,056 | 1,633 | 1,143 |
15 | 69,690 | 1,673 | 1,171 |
16 | 71,362 | 1,713 | 1,199 |
17 | 73,075 | 1,754 | 1,228 |
18 | 74,829 | 1,796 | 1,257 |
19 | 76,625 | 1,839 | 1,287 |
20 | 78,464 | 1,883 | 1,318 |
TOTAL | $30,347 | $21,243 |
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 0.20% |
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 0.85% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 425 | 298 |
2 | 50,425 | 429 | 300 |
3 | 50,854 | 432 | 303 |
4 | 51,286 | 436 | 305 |
5 | 51,722 | 440 | 308 |
6 | 52,161 | 443 | 310 |
7 | 52,605 | 447 | 313 |
8 | 53,052 | 451 | 316 |
9 | 53,503 | 455 | 318 |
10 | 53,958 | 459 | 321 |
11 | 54,416 | 463 | 324 |
12 | 54,879 | 466 | 327 |
13 | 55,345 | 470 | 329 |
14 | 55,816 | 474 | 332 |
15 | 56,290 | 478 | 335 |
16 | 56,769 | 483 | 338 |
17 | 57,251 | 487 | 341 |
18 | 57,738 | 491 | 344 |
19 | 58,229 | 495 | 346 |
20 | 58,724 | 499 | 349 |
TOTAL | $9,223 | $6,456 |
Year | Rate 0.40% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 200 | 140 |
2 | 50,200 | 201 | 141 |
3 | 50,401 | 202 | 141 |
4 | 50,602 | 202 | 142 |
5 | 50,805 | 203 | 142 |
6 | 51,008 | 204 | 143 |
7 | 51,212 | 205 | 143 |
8 | 51,417 | 206 | 144 |
9 | 51,623 | 206 | 145 |
10 | 51,829 | 207 | 145 |
11 | 52,036 | 208 | 146 |
12 | 52,245 | 209 | 146 |
13 | 52,454 | 210 | 147 |
14 | 52,663 | 211 | 147 |
15 | 52,874 | 211 | 148 |
16 | 53,085 | 212 | 149 |
17 | 53,298 | 213 | 149 |
18 | 53,511 | 214 | 150 |
19 | 53,725 | 215 | 150 |
20 | 53,940 | 216 | 151 |
TOTAL | $4,156 | $2,909 |
Year | Rate 0.35% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 175 | 123 |
2 | 50,175 | 176 | 123 |
3 | 50,351 | 176 | 123 |
4 | 50,527 | 177 | 124 |
5 | 50,704 | 177 | 124 |
6 | 50,881 | 178 | 125 |
7 | 51,059 | 179 | 125 |
8 | 51,238 | 179 | 126 |
9 | 51,417 | 180 | 126 |
10 | 51,597 | 181 | 126 |
11 | 51,778 | 181 | 127 |
12 | 51,959 | 182 | 127 |
13 | 52,141 | 182 | 128 |
14 | 52,323 | 183 | 128 |
15 | 52,507 | 184 | 129 |
16 | 52,690 | 184 | 129 |
17 | 52,875 | 185 | 130 |
18 | 53,060 | 186 | 130 |
19 | 53,245 | 186 | 130 |
20 | 53,432 | 187 | 131 |
TOTAL | $3,619 | $2,533 |
Year | Rate 0.81% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 405 | 284 |
2 | 50,405 | 408 | 286 |
3 | 50,813 | 412 | 288 |
4 | 51,225 | 415 | 290 |
5 | 51,640 | 418 | 293 |
6 | 52,058 | 422 | 295 |
7 | 52,480 | 425 | 298 |
8 | 52,905 | 429 | 300 |
9 | 53,333 | 432 | 302 |
10 | 53,765 | 435 | 305 |
11 | 54,201 | 439 | 307 |
12 | 54,640 | 443 | 310 |
13 | 55,082 | 446 | 312 |
14 | 55,529 | 450 | 315 |
15 | 55,978 | 453 | 317 |
16 | 56,432 | 457 | 320 |
17 | 56,889 | 461 | 323 |
18 | 57,350 | 465 | 325 |
19 | 57,814 | 468 | 328 |
20 | 58,283 | 472 | 330 |
TOTAL | $8,755 | $6,128 |
Year | Rate 3.55% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,775 | 1,243 |
2 | 51,775 | 1,838 | 1,287 |
3 | 53,613 | 1,903 | 1,332 |
4 | 55,516 | 1,971 | 1,380 |
5 | 57,487 | 2,041 | 1,429 |
6 | 59,528 | 2,113 | 1,479 |
7 | 61,641 | 2,188 | 1,532 |
8 | 63,829 | 2,266 | 1,586 |
9 | 66,095 | 2,346 | 1,642 |
10 | 68,442 | 2,430 | 1,701 |
11 | 70,871 | 2,516 | 1,761 |
12 | 73,387 | 2,605 | 1,824 |
13 | 75,993 | 2,698 | 1,888 |
14 | 78,690 | 2,794 | 1,955 |
15 | 81,484 | 2,893 | 2,025 |
16 | 84,377 | 2,995 | 2,097 |
17 | 87,372 | 3,102 | 2,171 |
18 | 90,474 | 3,212 | 2,248 |
19 | 93,685 | 3,326 | 2,328 |
20 | 97,011 | 3,444 | 2,411 |
TOTAL | $50,455 | $35,319 |
Year | Rate 1.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 500 | 350 |
2 | 50,500 | 505 | 354 |
3 | 51,005 | 510 | 357 |
4 | 51,515 | 515 | 361 |
5 | 52,030 | 520 | 364 |
6 | 52,551 | 526 | 368 |
7 | 53,076 | 531 | 372 |
8 | 53,607 | 536 | 375 |
9 | 54,143 | 541 | 379 |
10 | 54,684 | 547 | 383 |
11 | 55,231 | 552 | 387 |
12 | 55,783 | 558 | 390 |
13 | 56,341 | 563 | 394 |
14 | 56,905 | 569 | 398 |
15 | 57,474 | 575 | 402 |
16 | 58,048 | 580 | 406 |
17 | 58,629 | 586 | 410 |
18 | 59,215 | 592 | 415 |
19 | 59,807 | 598 | 419 |
20 | 60,405 | 604 | 423 |
TOTAL | $11,010 | $7,707 |
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 4.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 2,125 | 1,488 |
2 | 52,125 | 2,215 | 1,551 |
3 | 54,340 | 2,309 | 1,617 |
4 | 56,650 | 2,408 | 1,685 |
5 | 59,057 | 2,510 | 1,757 |
6 | 61,567 | 2,617 | 1,832 |
7 | 64,184 | 2,728 | 1,909 |
8 | 66,912 | 2,844 | 1,991 |
9 | 69,756 | 2,965 | 2,075 |
10 | 72,720 | 3,091 | 2,163 |
11 | 75,811 | 3,222 | 2,255 |
12 | 79,033 | 3,359 | 2,351 |
13 | 82,392 | 3,502 | 2,451 |
14 | 85,893 | 3,650 | 2,555 |
15 | 89,544 | 3,806 | 2,664 |
16 | 93,349 | 3,967 | 2,777 |
17 | 97,317 | 4,136 | 2,895 |
18 | 101,453 | 4,312 | 3,018 |
19 | 105,764 | 4,495 | 3,146 |
20 | 110,259 | 4,686 | 3,280 |
TOTAL | $64,945 | $45,462 |
Year | Rate 0.30% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 150 | 105 |
2 | 50,150 | 150 | 105 |
3 | 50,300 | 151 | 106 |
4 | 50,451 | 151 | 106 |
5 | 50,603 | 152 | 106 |
6 | 50,755 | 152 | 107 |
7 | 50,907 | 153 | 107 |
8 | 51,059 | 153 | 107 |
9 | 51,213 | 154 | 108 |
10 | 51,366 | 154 | 108 |
11 | 51,520 | 155 | 108 |
12 | 51,675 | 155 | 109 |
13 | 51,830 | 155 | 109 |
14 | 51,985 | 156 | 109 |
15 | 52,141 | 156 | 109 |
16 | 52,298 | 157 | 110 |
17 | 52,455 | 157 | 110 |
18 | 52,612 | 158 | 110 |
19 | 52,770 | 158 | 111 |
20 | 52,928 | 159 | 111 |
TOTAL | $3,087 | $2,161 |
Year | Rate 0.95% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 475 | 333 |
2 | 50,475 | 480 | 336 |
3 | 50,955 | 484 | 339 |
4 | 51,439 | 489 | 342 |
5 | 51,927 | 493 | 345 |
6 | 52,421 | 498 | 349 |
7 | 52,919 | 503 | 352 |
8 | 53,421 | 508 | 355 |
9 | 53,929 | 512 | 359 |
10 | 54,441 | 517 | 362 |
11 | 54,958 | 522 | 365 |
12 | 55,480 | 527 | 369 |
13 | 56,007 | 532 | 372 |
14 | 56,540 | 537 | 376 |
15 | 57,077 | 542 | 380 |
16 | 57,619 | 547 | 383 |
17 | 58,166 | 553 | 387 |
18 | 58,719 | 558 | 390 |
19 | 59,277 | 563 | 394 |
20 | 59,840 | 568 | 398 |
TOTAL | $10,408 | $7,286 |
Year | Rate 1.10% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 550 | 385 |
2 | 50,550 | 556 | 389 |
3 | 51,106 | 562 | 394 |
4 | 51,668 | 568 | 398 |
5 | 52,237 | 575 | 402 |
6 | 52,811 | 581 | 407 |
7 | 53,392 | 587 | 411 |
8 | 53,979 | 594 | 416 |
9 | 54,573 | 600 | 420 |
10 | 55,173 | 607 | 425 |
11 | 55,780 | 614 | 430 |
12 | 56,394 | 620 | 434 |
13 | 57,014 | 627 | 439 |
14 | 57,641 | 634 | 444 |
15 | 58,276 | 641 | 449 |
16 | 58,917 | 648 | 454 |
17 | 59,565 | 655 | 459 |
18 | 60,220 | 662 | 464 |
19 | 60,882 | 670 | 469 |
20 | 61,552 | 677 | 474 |
TOTAL | $12,229 | $8,560 |
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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|
4.50% |
$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. |