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 3.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,875 | 1,313 |
| 2 | 51,875 | 1,945 | 1,362 |
| 3 | 53,820 | 2,018 | 1,413 |
| 4 | 55,839 | 2,094 | 1,466 |
| 5 | 57,933 | 2,172 | 1,521 |
| 6 | 60,105 | 2,254 | 1,578 |
| 7 | 62,359 | 2,338 | 1,637 |
| 8 | 64,697 | 2,426 | 1,698 |
| 9 | 67,124 | 2,517 | 1,762 |
| 10 | 69,641 | 2,612 | 1,828 |
| 11 | 72,252 | 2,709 | 1,897 |
| 12 | 74,962 | 2,811 | 1,968 |
| 13 | 77,773 | 2,916 | 2,042 |
| 14 | 80,689 | 3,026 | 2,118 |
| 15 | 83,715 | 3,139 | 2,198 |
| 16 | 86,854 | 3,257 | 2,280 |
| 17 | 90,111 | 3,379 | 2,365 |
| 18 | 93,491 | 3,506 | 2,454 |
| 19 | 96,996 | 3,637 | 2,546 |
| 20 | 100,634 | 3,774 | 2,642 |
| TOTAL | $54,408 | $38,085 |
| Year | Rate 3.50% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,750 | 1,225 |
| 2 | 51,750 | 1,811 | 1,268 |
| 3 | 53,561 | 1,875 | 1,312 |
| 4 | 55,436 | 1,940 | 1,358 |
| 5 | 57,376 | 2,008 | 1,406 |
| 6 | 59,384 | 2,078 | 1,455 |
| 7 | 61,463 | 2,151 | 1,506 |
| 8 | 63,614 | 2,226 | 1,559 |
| 9 | 65,840 | 2,304 | 1,613 |
| 10 | 68,145 | 2,385 | 1,670 |
| 11 | 70,530 | 2,469 | 1,728 |
| 12 | 72,998 | 2,555 | 1,788 |
| 13 | 75,553 | 2,644 | 1,851 |
| 14 | 78,198 | 2,737 | 1,916 |
| 15 | 80,935 | 2,833 | 1,983 |
| 16 | 83,767 | 2,932 | 2,052 |
| 17 | 86,699 | 3,034 | 2,124 |
| 18 | 89,734 | 3,141 | 2,198 |
| 19 | 92,874 | 3,251 | 2,275 |
| 20 | 96,125 | 3,364 | 2,355 |
| TOTAL | $49,489 | $34,643 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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|
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4.20% |
$50,000 |
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Last change: ↑0.20% on December 7. |
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|
4.10% |
$25,000 |
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Last change: ↓0.15% on November 26. |
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|
|
4.10% |
$500 |
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Last change: ↓0.10% on September 17. |
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4.10% |
$1,500 |
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Last change: ↓0.05% on December 8. |
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