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 4.15% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,075 | 1,453 |
| 2 | 52,075 | 2,161 | 1,513 |
| 3 | 54,236 | 2,251 | 1,576 |
| 4 | 56,487 | 2,344 | 1,641 |
| 5 | 58,831 | 2,441 | 1,709 |
| 6 | 61,273 | 2,543 | 1,780 |
| 7 | 63,815 | 2,648 | 1,854 |
| 8 | 66,464 | 2,758 | 1,931 |
| 9 | 69,222 | 2,873 | 2,011 |
| 10 | 72,095 | 2,992 | 2,094 |
| 11 | 75,087 | 3,116 | 2,181 |
| 12 | 78,203 | 3,245 | 2,272 |
| 13 | 81,448 | 3,380 | 2,366 |
| 14 | 84,828 | 3,520 | 2,464 |
| 15 | 88,349 | 3,666 | 2,567 |
| 16 | 92,015 | 3,819 | 2,673 |
| 17 | 95,834 | 3,977 | 2,784 |
| 18 | 99,811 | 4,142 | 2,900 |
| 19 | 103,953 | 4,314 | 3,020 |
| 20 | 108,267 | 4,493 | 3,145 |
| TOTAL | $62,760 | $43,932 |
| Year | Rate 1.26% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 629 | 440 |
| 2 | 50,629 | 636 | 445 |
| 3 | 51,265 | 644 | 451 |
| 4 | 51,909 | 652 | 457 |
| 5 | 52,562 | 661 | 462 |
| 6 | 53,223 | 669 | 468 |
| 7 | 53,892 | 677 | 474 |
| 8 | 54,569 | 686 | 480 |
| 9 | 55,255 | 695 | 486 |
| 10 | 55,949 | 703 | 492 |
| 11 | 56,653 | 712 | 498 |
| 12 | 57,365 | 721 | 505 |
| 13 | 58,086 | 730 | 511 |
| 14 | 58,816 | 739 | 518 |
| 15 | 59,555 | 749 | 524 |
| 16 | 60,304 | 758 | 531 |
| 17 | 61,062 | 768 | 537 |
| 18 | 61,830 | 777 | 544 |
| 19 | 62,607 | 787 | 551 |
| 20 | 63,394 | 797 | 558 |
| TOTAL | $14,191 | $9,933 |
| Year | Rate 0.85% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 425 | 298 |
| 2 | 50,425 | 429 | 300 |
| 3 | 50,854 | 432 | 303 |
| 4 | 51,286 | 436 | 305 |
| 5 | 51,722 | 440 | 308 |
| 6 | 52,161 | 443 | 310 |
| 7 | 52,605 | 447 | 313 |
| 8 | 53,052 | 451 | 316 |
| 9 | 53,503 | 455 | 318 |
| 10 | 53,958 | 459 | 321 |
| 11 | 54,416 | 463 | 324 |
| 12 | 54,879 | 466 | 327 |
| 13 | 55,345 | 470 | 329 |
| 14 | 55,816 | 474 | 332 |
| 15 | 56,290 | 478 | 335 |
| 16 | 56,769 | 483 | 338 |
| 17 | 57,251 | 487 | 341 |
| 18 | 57,738 | 491 | 344 |
| 19 | 58,229 | 495 | 346 |
| 20 | 58,724 | 499 | 349 |
| TOTAL | $9,223 | $6,456 |
| Year | Rate 0.05% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 25 | 18 |
| 2 | 50,025 | 25 | 18 |
| 3 | 50,050 | 25 | 18 |
| 4 | 50,075 | 25 | 18 |
| 5 | 50,100 | 25 | 18 |
| 6 | 50,125 | 25 | 18 |
| 7 | 50,150 | 25 | 18 |
| 8 | 50,175 | 25 | 18 |
| 9 | 50,200 | 25 | 18 |
| 10 | 50,225 | 25 | 18 |
| 11 | 50,251 | 25 | 18 |
| 12 | 50,276 | 25 | 18 |
| 13 | 50,301 | 25 | 18 |
| 14 | 50,326 | 25 | 18 |
| 15 | 50,351 | 25 | 18 |
| 16 | 50,376 | 25 | 18 |
| 17 | 50,402 | 25 | 18 |
| 18 | 50,427 | 25 | 18 |
| 19 | 50,452 | 25 | 18 |
| 20 | 50,477 | 25 | 18 |
| TOTAL | $502 | $352 |
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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