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 1.26% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 628 | 440 |
| 2 | 50,628 | 636 | 445 |
| 3 | 51,264 | 644 | 451 |
| 4 | 51,908 | 652 | 456 |
| 5 | 52,560 | 660 | 462 |
| 6 | 53,220 | 668 | 468 |
| 7 | 53,888 | 677 | 474 |
| 8 | 54,565 | 685 | 480 |
| 9 | 55,250 | 694 | 486 |
| 10 | 55,944 | 703 | 492 |
| 11 | 56,647 | 711 | 498 |
| 12 | 57,359 | 720 | 504 |
| 13 | 58,079 | 729 | 511 |
| 14 | 58,808 | 739 | 517 |
| 15 | 59,547 | 748 | 524 |
| 16 | 60,295 | 757 | 530 |
| 17 | 61,052 | 767 | 537 |
| 18 | 61,819 | 776 | 544 |
| 19 | 62,596 | 786 | 550 |
| 20 | 63,382 | 796 | 557 |
| TOTAL | $14,178 | $9,925 |
| 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 0.55% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 275 | 193 |
| 2 | 50,275 | 277 | 194 |
| 3 | 50,552 | 278 | 195 |
| 4 | 50,830 | 280 | 196 |
| 5 | 51,109 | 281 | 197 |
| 6 | 51,390 | 283 | 198 |
| 7 | 51,673 | 284 | 199 |
| 8 | 51,957 | 286 | 200 |
| 9 | 52,243 | 287 | 201 |
| 10 | 52,530 | 289 | 202 |
| 11 | 52,819 | 291 | 203 |
| 12 | 53,110 | 292 | 204 |
| 13 | 53,402 | 294 | 206 |
| 14 | 53,695 | 295 | 207 |
| 15 | 53,991 | 297 | 208 |
| 16 | 54,288 | 299 | 209 |
| 17 | 54,586 | 300 | 210 |
| 18 | 54,886 | 302 | 211 |
| 19 | 55,188 | 304 | 212 |
| 20 | 55,492 | 305 | 214 |
| TOTAL | $5,797 | $4,058 |
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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|
|
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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