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 0.65% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 326 | 228 |
| 2 | 50,326 | 328 | 229 |
| 3 | 50,653 | 330 | 231 |
| 4 | 50,983 | 332 | 232 |
| 5 | 51,315 | 334 | 234 |
| 6 | 51,649 | 336 | 235 |
| 7 | 51,985 | 338 | 237 |
| 8 | 52,323 | 341 | 238 |
| 9 | 52,664 | 343 | 240 |
| 10 | 53,007 | 345 | 242 |
| 11 | 53,352 | 347 | 243 |
| 12 | 53,699 | 350 | 245 |
| 13 | 54,049 | 352 | 246 |
| 14 | 54,401 | 354 | 248 |
| 15 | 54,755 | 356 | 250 |
| 16 | 55,111 | 359 | 251 |
| 17 | 55,470 | 361 | 253 |
| 18 | 55,831 | 363 | 254 |
| 19 | 56,195 | 366 | 256 |
| 20 | 56,561 | 368 | 258 |
| TOTAL | $6,929 | $4,850 |
| Year | Rate 0.59% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 295 | 207 |
| 2 | 50,295 | 297 | 208 |
| 3 | 50,592 | 298 | 209 |
| 4 | 50,890 | 300 | 210 |
| 5 | 51,190 | 302 | 211 |
| 6 | 51,493 | 304 | 213 |
| 7 | 51,796 | 306 | 214 |
| 8 | 52,102 | 307 | 215 |
| 9 | 52,409 | 309 | 216 |
| 10 | 52,719 | 311 | 218 |
| 11 | 53,030 | 313 | 219 |
| 12 | 53,342 | 315 | 220 |
| 13 | 53,657 | 317 | 222 |
| 14 | 53,974 | 318 | 223 |
| 15 | 54,292 | 320 | 224 |
| 16 | 54,613 | 322 | 226 |
| 17 | 54,935 | 324 | 227 |
| 18 | 55,259 | 326 | 228 |
| 19 | 55,585 | 328 | 230 |
| 20 | 55,913 | 330 | 231 |
| TOTAL | $6,243 | $4,370 |
| Year | Rate 1.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 500 | 350 |
| 2 | 50,500 | 505 | 354 |
| 3 | 51,005 | 510 | 357 |
| 4 | 51,515 | 515 | 361 |
| 5 | 52,030 | 520 | 364 |
| 6 | 52,551 | 526 | 368 |
| 7 | 53,076 | 531 | 372 |
| 8 | 53,607 | 536 | 375 |
| 9 | 54,143 | 541 | 379 |
| 10 | 54,684 | 547 | 383 |
| 11 | 55,231 | 552 | 387 |
| 12 | 55,783 | 558 | 390 |
| 13 | 56,341 | 563 | 394 |
| 14 | 56,905 | 569 | 398 |
| 15 | 57,474 | 575 | 402 |
| 16 | 58,048 | 580 | 406 |
| 17 | 58,629 | 586 | 410 |
| 18 | 59,215 | 592 | 415 |
| 19 | 59,807 | 598 | 419 |
| 20 | 60,405 | 604 | 423 |
| TOTAL | $11,010 | $7,707 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.15% |
$500 |
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Last change: ↑0.15% on December 22, 2025. |
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4.10% |
$0 |
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Last change: ↑0.10% on November 3, 2025. |
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|
4.10% |
$2,500 |
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Last change: ↓0.10% on November 3, 2025. |
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|
4.05% |
$1,500 |
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Last change: ↓0.05% on December 22, 2025. |
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|
4.05% |
$500 |
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Last change: ↓0.20% on October 8, 2025. |
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