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 0.20% |
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 2.76% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,380 | 966 |
| 2 | 51,380 | 1,418 | 993 |
| 3 | 52,798 | 1,457 | 1,020 |
| 4 | 54,255 | 1,497 | 1,048 |
| 5 | 55,753 | 1,539 | 1,077 |
| 6 | 57,292 | 1,581 | 1,107 |
| 7 | 58,873 | 1,625 | 1,137 |
| 8 | 60,498 | 1,670 | 1,169 |
| 9 | 62,167 | 1,716 | 1,201 |
| 10 | 63,883 | 1,763 | 1,234 |
| 11 | 65,646 | 1,812 | 1,268 |
| 12 | 67,458 | 1,862 | 1,303 |
| 13 | 69,320 | 1,913 | 1,339 |
| 14 | 71,233 | 1,966 | 1,376 |
| 15 | 73,199 | 2,020 | 1,414 |
| 16 | 75,220 | 2,076 | 1,453 |
| 17 | 77,296 | 2,133 | 1,493 |
| 18 | 79,429 | 2,192 | 1,535 |
| 19 | 81,621 | 2,253 | 1,577 |
| 20 | 83,874 | 2,315 | 1,620 |
| TOTAL | $36,189 | $25,332 |
| Year | Rate 3.19% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,595 | 1,117 |
| 2 | 51,595 | 1,646 | 1,152 |
| 3 | 53,241 | 1,698 | 1,189 |
| 4 | 54,939 | 1,753 | 1,227 |
| 5 | 56,692 | 1,808 | 1,266 |
| 6 | 58,500 | 1,866 | 1,306 |
| 7 | 60,366 | 1,926 | 1,348 |
| 8 | 62,292 | 1,987 | 1,391 |
| 9 | 64,279 | 2,051 | 1,435 |
| 10 | 66,330 | 2,116 | 1,481 |
| 11 | 68,446 | 2,183 | 1,528 |
| 12 | 70,629 | 2,253 | 1,577 |
| 13 | 72,882 | 2,325 | 1,627 |
| 14 | 75,207 | 2,399 | 1,679 |
| 15 | 77,606 | 2,476 | 1,733 |
| 16 | 80,082 | 2,555 | 1,788 |
| 17 | 82,636 | 2,636 | 1,845 |
| 18 | 85,273 | 2,720 | 1,904 |
| 19 | 87,993 | 2,807 | 1,965 |
| 20 | 90,800 | 2,897 | 2,028 |
| TOTAL | $43,696 | $30,587 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.35% |
$1,000 |
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Last change: ↑2.35% on September 16. |
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|
|
4.34% |
$500 |
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Last change: ↑1.66% on April 4. |
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|
|
4.34% |
$500 |
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Last change: ↑0.66% on February 4. |
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|
|
4.30% |
$50,000 |
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|
Last change: ↓0.15% on September 23. |
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|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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