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 0.63% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 315 | 221 |
| 2 | 50,315 | 317 | 222 |
| 3 | 50,632 | 319 | 223 |
| 4 | 50,951 | 321 | 225 |
| 5 | 51,272 | 323 | 226 |
| 6 | 51,595 | 325 | 228 |
| 7 | 51,920 | 327 | 229 |
| 8 | 52,247 | 329 | 230 |
| 9 | 52,576 | 331 | 232 |
| 10 | 52,908 | 333 | 233 |
| 11 | 53,241 | 335 | 235 |
| 12 | 53,576 | 338 | 236 |
| 13 | 53,914 | 340 | 238 |
| 14 | 54,253 | 342 | 239 |
| 15 | 54,595 | 344 | 241 |
| 16 | 54,939 | 346 | 242 |
| 17 | 55,285 | 348 | 244 |
| 18 | 55,634 | 350 | 245 |
| 19 | 55,984 | 353 | 247 |
| 20 | 56,337 | 355 | 248 |
| TOTAL | $6,692 | $4,684 |
| 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 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 |
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: ↓0.05% on April 30. |
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|
|
4.50% |
$50,000 |
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Last change: ↑0.20% on April 9. |
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|
|
4.50% |
$500 |
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Last change: ↓0.50% on February 25. |
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