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 4.08% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,040 | 1,428 |
| 2 | 52,040 | 2,123 | 1,486 |
| 3 | 54,163 | 2,210 | 1,547 |
| 4 | 56,373 | 2,300 | 1,610 |
| 5 | 58,673 | 2,394 | 1,676 |
| 6 | 61,067 | 2,492 | 1,744 |
| 7 | 63,559 | 2,593 | 1,815 |
| 8 | 66,152 | 2,699 | 1,889 |
| 9 | 68,851 | 2,809 | 1,966 |
| 10 | 71,660 | 2,924 | 2,047 |
| 11 | 74,584 | 3,043 | 2,130 |
| 12 | 77,627 | 3,167 | 2,217 |
| 13 | 80,794 | 3,296 | 2,307 |
| 14 | 84,090 | 3,431 | 2,402 |
| 15 | 87,521 | 3,571 | 2,500 |
| 16 | 91,092 | 3,717 | 2,602 |
| 17 | 94,808 | 3,868 | 2,708 |
| 18 | 98,677 | 4,026 | 2,818 |
| 19 | 102,703 | 4,190 | 2,933 |
| 20 | 106,893 | 4,361 | 3,053 |
| TOTAL | $61,254 | $42,878 |
| Year | Rate 2.01% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,005 | 704 |
| 2 | 51,005 | 1,025 | 718 |
| 3 | 52,030 | 1,046 | 732 |
| 4 | 53,076 | 1,067 | 747 |
| 5 | 54,143 | 1,088 | 762 |
| 6 | 55,231 | 1,110 | 777 |
| 7 | 56,341 | 1,132 | 793 |
| 8 | 57,474 | 1,155 | 809 |
| 9 | 58,629 | 1,178 | 825 |
| 10 | 59,807 | 1,202 | 841 |
| 11 | 61,010 | 1,226 | 858 |
| 12 | 62,236 | 1,251 | 876 |
| 13 | 63,487 | 1,276 | 893 |
| 14 | 64,763 | 1,302 | 911 |
| 15 | 66,065 | 1,328 | 930 |
| 16 | 67,392 | 1,355 | 948 |
| 17 | 68,747 | 1,382 | 967 |
| 18 | 70,129 | 1,410 | 987 |
| 19 | 71,538 | 1,438 | 1,007 |
| 20 | 72,976 | 1,467 | 1,027 |
| TOTAL | $24,443 | $17,110 |
| Year | Rate 1.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 502 | 351 |
| 2 | 50,502 | 507 | 355 |
| 3 | 51,009 | 512 | 358 |
| 4 | 51,521 | 517 | 362 |
| 5 | 52,038 | 522 | 366 |
| 6 | 52,561 | 528 | 369 |
| 7 | 53,089 | 533 | 373 |
| 8 | 53,622 | 538 | 377 |
| 9 | 54,160 | 544 | 381 |
| 10 | 54,704 | 549 | 384 |
| 11 | 55,253 | 555 | 388 |
| 12 | 55,808 | 560 | 392 |
| 13 | 56,368 | 566 | 396 |
| 14 | 56,934 | 572 | 400 |
| 15 | 57,506 | 577 | 404 |
| 16 | 58,083 | 583 | 408 |
| 17 | 58,666 | 589 | 412 |
| 18 | 59,255 | 595 | 416 |
| 19 | 59,850 | 601 | 421 |
| 20 | 60,451 | 607 | 425 |
| TOTAL | $11,058 | $7,740 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
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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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|
4.20% |
$1,000 |
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Last change: ↑0.05% on December 1. |
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|
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4.15% |
$1,000 |
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Last change: ↑0.10% on December 1. |
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4.10% |
$25,000 |
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|
Last change: ↓0.15% on November 26. |
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