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 0.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 377 | 264 |
| 2 | 50,377 | 379 | 266 |
| 3 | 50,756 | 382 | 268 |
| 4 | 51,138 | 385 | 270 |
| 5 | 51,523 | 388 | 272 |
| 6 | 51,911 | 391 | 274 |
| 7 | 52,302 | 394 | 276 |
| 8 | 52,696 | 397 | 278 |
| 9 | 53,093 | 400 | 280 |
| 10 | 53,492 | 403 | 282 |
| 11 | 53,895 | 406 | 284 |
| 12 | 54,301 | 409 | 286 |
| 13 | 54,710 | 412 | 288 |
| 14 | 55,122 | 415 | 291 |
| 15 | 55,537 | 418 | 293 |
| 16 | 55,955 | 421 | 295 |
| 17 | 56,376 | 425 | 297 |
| 18 | 56,801 | 428 | 299 |
| 19 | 57,229 | 431 | 302 |
| 20 | 57,660 | 434 | 304 |
| TOTAL | $8,094 | $5,666 |
| Year | Rate 0.90% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 452 | 316 |
| 2 | 50,452 | 456 | 319 |
| 3 | 50,908 | 460 | 322 |
| 4 | 51,368 | 464 | 325 |
| 5 | 51,833 | 469 | 328 |
| 6 | 52,301 | 473 | 331 |
| 7 | 52,774 | 477 | 334 |
| 8 | 53,251 | 481 | 337 |
| 9 | 53,733 | 486 | 340 |
| 10 | 54,218 | 490 | 343 |
| 11 | 54,708 | 495 | 346 |
| 12 | 55,203 | 499 | 349 |
| 13 | 55,702 | 504 | 352 |
| 14 | 56,206 | 508 | 356 |
| 15 | 56,714 | 513 | 359 |
| 16 | 57,226 | 517 | 362 |
| 17 | 57,744 | 522 | 365 |
| 18 | 58,266 | 527 | 369 |
| 19 | 58,792 | 531 | 372 |
| 20 | 59,324 | 536 | 375 |
| TOTAL | $9,860 | $6,902 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.20% |
$50,000 |
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Last change: ↑0.20% on December 7, 2025. |
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|
|
4.15% |
$500 |
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Last change: ↑0.15% on December 22, 2025. |
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|
|
4.10% |
$1,000 |
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|
|
4.10% |
$2,500 |
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Last change: ↑0.20% on December 7, 2025. |
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|
|
4.10% |
$0 |
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Last change: ↑0.10% on November 3, 2025. |
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