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 3.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,625 | 1,138 |
| 2 | 51,625 | 1,678 | 1,174 |
| 3 | 53,303 | 1,732 | 1,213 |
| 4 | 55,035 | 1,789 | 1,252 |
| 5 | 56,824 | 1,847 | 1,293 |
| 6 | 58,671 | 1,907 | 1,335 |
| 7 | 60,577 | 1,969 | 1,378 |
| 8 | 62,546 | 2,033 | 1,423 |
| 9 | 64,579 | 2,099 | 1,469 |
| 10 | 66,678 | 2,167 | 1,517 |
| 11 | 68,845 | 2,237 | 1,566 |
| 12 | 71,082 | 2,310 | 1,617 |
| 13 | 73,392 | 2,385 | 1,670 |
| 14 | 75,778 | 2,463 | 1,724 |
| 15 | 78,240 | 2,543 | 1,780 |
| 16 | 80,783 | 2,625 | 1,838 |
| 17 | 83,409 | 2,711 | 1,898 |
| 18 | 86,119 | 2,799 | 1,959 |
| 19 | 88,918 | 2,890 | 2,023 |
| 20 | 91,808 | 2,984 | 2,089 |
| TOTAL | $44,792 | $31,354 |
| Year | Rate 3.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,500 | 1,050 |
| 2 | 51,500 | 1,545 | 1,082 |
| 3 | 53,045 | 1,591 | 1,114 |
| 4 | 54,636 | 1,639 | 1,147 |
| 5 | 56,275 | 1,688 | 1,182 |
| 6 | 57,964 | 1,739 | 1,217 |
| 7 | 59,703 | 1,791 | 1,254 |
| 8 | 61,494 | 1,845 | 1,291 |
| 9 | 63,339 | 1,900 | 1,330 |
| 10 | 65,239 | 1,957 | 1,370 |
| 11 | 67,196 | 2,016 | 1,411 |
| 12 | 69,212 | 2,076 | 1,453 |
| 13 | 71,288 | 2,139 | 1,497 |
| 14 | 73,427 | 2,203 | 1,542 |
| 15 | 75,629 | 2,269 | 1,588 |
| 16 | 77,898 | 2,337 | 1,636 |
| 17 | 80,235 | 2,407 | 1,685 |
| 18 | 82,642 | 2,479 | 1,735 |
| 19 | 85,122 | 2,554 | 1,788 |
| 20 | 87,675 | 2,630 | 1,841 |
| TOTAL | $40,306 | $28,214 |
| Year | Rate 3.70% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,850 | 1,295 |
| 2 | 51,850 | 1,918 | 1,343 |
| 3 | 53,768 | 1,989 | 1,393 |
| 4 | 55,758 | 2,063 | 1,444 |
| 5 | 57,821 | 2,139 | 1,498 |
| 6 | 59,960 | 2,219 | 1,553 |
| 7 | 62,179 | 2,301 | 1,610 |
| 8 | 64,479 | 2,386 | 1,670 |
| 9 | 66,865 | 2,474 | 1,732 |
| 10 | 69,339 | 2,566 | 1,796 |
| 11 | 71,905 | 2,660 | 1,862 |
| 12 | 74,565 | 2,759 | 1,931 |
| 13 | 77,324 | 2,861 | 2,003 |
| 14 | 80,185 | 2,967 | 2,077 |
| 15 | 83,152 | 3,077 | 2,154 |
| 16 | 86,229 | 3,190 | 2,233 |
| 17 | 89,419 | 3,309 | 2,316 |
| 18 | 92,728 | 3,431 | 2,402 |
| 19 | 96,158 | 3,558 | 2,491 |
| 20 | 99,716 | 3,690 | 2,583 |
| TOTAL | $53,406 | $37,384 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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|
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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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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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