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 0.01% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 5 | 4 |
| 2 | 50,005 | 5 | 4 |
| 3 | 50,010 | 5 | 4 |
| 4 | 50,015 | 5 | 4 |
| 5 | 50,020 | 5 | 4 |
| 6 | 50,025 | 5 | 4 |
| 7 | 50,030 | 5 | 4 |
| 8 | 50,035 | 5 | 4 |
| 9 | 50,040 | 5 | 4 |
| 10 | 50,045 | 5 | 4 |
| 11 | 50,050 | 5 | 4 |
| 12 | 50,055 | 5 | 4 |
| 13 | 50,060 | 5 | 4 |
| 14 | 50,065 | 5 | 4 |
| 15 | 50,070 | 5 | 4 |
| 16 | 50,075 | 5 | 4 |
| 17 | 50,080 | 5 | 4 |
| 18 | 50,085 | 5 | 4 |
| 19 | 50,090 | 5 | 4 |
| 20 | 50,095 | 5 | 4 |
| TOTAL | $100 | $70 |
| Year | Rate 2.65% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,325 | 928 |
| 2 | 51,325 | 1,360 | 952 |
| 3 | 52,685 | 1,396 | 977 |
| 4 | 54,081 | 1,433 | 1,003 |
| 5 | 55,514 | 1,471 | 1,030 |
| 6 | 56,986 | 1,510 | 1,057 |
| 7 | 58,496 | 1,550 | 1,085 |
| 8 | 60,046 | 1,591 | 1,114 |
| 9 | 61,637 | 1,633 | 1,143 |
| 10 | 63,270 | 1,677 | 1,174 |
| 11 | 64,947 | 1,721 | 1,205 |
| 12 | 66,668 | 1,767 | 1,237 |
| 13 | 68,435 | 1,814 | 1,269 |
| 14 | 70,248 | 1,862 | 1,303 |
| 15 | 72,110 | 1,911 | 1,338 |
| 16 | 74,021 | 1,962 | 1,373 |
| 17 | 75,982 | 2,014 | 1,409 |
| 18 | 77,996 | 2,067 | 1,447 |
| 19 | 80,063 | 2,122 | 1,485 |
| 20 | 82,185 | 2,178 | 1,525 |
| TOTAL | $34,362 | $24,054 |
| 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 |
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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|
|
4.51% |
$1,000 |
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|
Last change: ↑0.06% on June 24. |
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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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|
|
4.49% |
$1,000 |
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Last change: ↑0.34% on May 27. |
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