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 4.20% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,100 | 1,470 |
| 2 | 52,100 | 2,188 | 1,532 |
| 3 | 54,288 | 2,280 | 1,596 |
| 4 | 56,568 | 2,376 | 1,663 |
| 5 | 58,944 | 2,476 | 1,733 |
| 6 | 61,420 | 2,580 | 1,806 |
| 7 | 63,999 | 2,688 | 1,882 |
| 8 | 66,687 | 2,801 | 1,961 |
| 9 | 69,488 | 2,919 | 2,043 |
| 10 | 72,407 | 3,041 | 2,129 |
| 11 | 75,448 | 3,169 | 2,218 |
| 12 | 78,617 | 3,302 | 2,311 |
| 13 | 81,919 | 3,441 | 2,408 |
| 14 | 85,359 | 3,585 | 2,510 |
| 15 | 88,944 | 3,736 | 2,615 |
| 16 | 92,680 | 3,893 | 2,725 |
| 17 | 96,573 | 4,056 | 2,839 |
| 18 | 100,629 | 4,226 | 2,958 |
| 19 | 104,855 | 4,404 | 3,083 |
| 20 | 109,259 | 4,589 | 3,212 |
| TOTAL | $63,848 | $44,693 |
| Year | Rate 4.09% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,045 | 1,432 |
| 2 | 52,045 | 2,129 | 1,490 |
| 3 | 54,174 | 2,216 | 1,551 |
| 4 | 56,389 | 2,306 | 1,614 |
| 5 | 58,696 | 2,401 | 1,680 |
| 6 | 61,096 | 2,499 | 1,749 |
| 7 | 63,595 | 2,601 | 1,821 |
| 8 | 66,196 | 2,707 | 1,895 |
| 9 | 68,904 | 2,818 | 1,973 |
| 10 | 71,722 | 2,933 | 2,053 |
| 11 | 74,655 | 3,053 | 2,137 |
| 12 | 77,709 | 3,178 | 2,225 |
| 13 | 80,887 | 3,308 | 2,316 |
| 14 | 84,195 | 3,444 | 2,411 |
| 15 | 87,639 | 3,584 | 2,509 |
| 16 | 91,223 | 3,731 | 2,612 |
| 17 | 94,954 | 3,884 | 2,719 |
| 18 | 98,838 | 4,042 | 2,830 |
| 19 | 102,880 | 4,208 | 2,945 |
| 20 | 107,088 | 4,380 | 3,066 |
| TOTAL | $61,468 | $43,028 |
| Year | Rate 4.39% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,195 | 1,537 |
| 2 | 52,195 | 2,291 | 1,604 |
| 3 | 54,486 | 2,392 | 1,674 |
| 4 | 56,878 | 2,497 | 1,748 |
| 5 | 59,375 | 2,607 | 1,825 |
| 6 | 61,982 | 2,721 | 1,905 |
| 7 | 64,703 | 2,840 | 1,988 |
| 8 | 67,543 | 2,965 | 2,076 |
| 9 | 70,508 | 3,095 | 2,167 |
| 10 | 73,604 | 3,231 | 2,262 |
| 11 | 76,835 | 3,373 | 2,361 |
| 12 | 80,208 | 3,521 | 2,465 |
| 13 | 83,729 | 3,676 | 2,573 |
| 14 | 87,405 | 3,837 | 2,686 |
| 15 | 91,242 | 4,006 | 2,804 |
| 16 | 95,247 | 4,181 | 2,927 |
| 17 | 99,429 | 4,365 | 3,055 |
| 18 | 103,794 | 4,557 | 3,190 |
| 19 | 108,350 | 4,757 | 3,330 |
| 20 | 113,107 | 4,965 | 3,476 |
| TOTAL | $68,072 | $47,651 |
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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|
|
4.45% |
$1,500 |
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Last change: ↑0.10% on July 13. |
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|
|
4.45% |
$5,000 |
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Last change: ↑0.40% on June 24. |
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|
4.45% |
$50,000 |
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Last change: ↓0.05% on August 2. |
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