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 2.30% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,150 | 805 |
| 2 | 51,150 | 1,176 | 824 |
| 3 | 52,326 | 1,204 | 842 |
| 4 | 53,530 | 1,231 | 862 |
| 5 | 54,761 | 1,260 | 882 |
| 6 | 56,021 | 1,288 | 902 |
| 7 | 57,309 | 1,318 | 923 |
| 8 | 58,627 | 1,348 | 944 |
| 9 | 59,976 | 1,379 | 966 |
| 10 | 61,355 | 1,411 | 988 |
| 11 | 62,766 | 1,444 | 1,011 |
| 12 | 64,210 | 1,477 | 1,034 |
| 13 | 65,687 | 1,511 | 1,058 |
| 14 | 67,198 | 1,546 | 1,082 |
| 15 | 68,743 | 1,581 | 1,107 |
| 16 | 70,324 | 1,617 | 1,132 |
| 17 | 71,942 | 1,655 | 1,158 |
| 18 | 73,596 | 1,693 | 1,185 |
| 19 | 75,289 | 1,732 | 1,212 |
| 20 | 77,021 | 1,771 | 1,240 |
| TOTAL | $28,792 | $20,154 |
| Year | Rate 3.65% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,825 | 1,278 |
| 2 | 51,825 | 1,892 | 1,324 |
| 3 | 53,717 | 1,961 | 1,372 |
| 4 | 55,677 | 2,032 | 1,423 |
| 5 | 57,709 | 2,106 | 1,474 |
| 6 | 59,816 | 2,183 | 1,528 |
| 7 | 61,999 | 2,263 | 1,584 |
| 8 | 64,262 | 2,346 | 1,642 |
| 9 | 66,608 | 2,431 | 1,702 |
| 10 | 69,039 | 2,520 | 1,764 |
| 11 | 71,559 | 2,612 | 1,828 |
| 12 | 74,171 | 2,707 | 1,895 |
| 13 | 76,878 | 2,806 | 1,964 |
| 14 | 79,684 | 2,908 | 2,036 |
| 15 | 82,592 | 3,015 | 2,110 |
| 16 | 85,607 | 3,125 | 2,187 |
| 17 | 88,732 | 3,239 | 2,267 |
| 18 | 91,970 | 3,357 | 2,350 |
| 19 | 95,327 | 3,479 | 2,436 |
| 20 | 98,807 | 3,606 | 2,525 |
| TOTAL | $52,413 | $36,689 |
| Year | Rate 0.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 375 | 263 |
| 2 | 50,375 | 378 | 264 |
| 3 | 50,753 | 381 | 266 |
| 4 | 51,133 | 384 | 268 |
| 5 | 51,517 | 386 | 270 |
| 6 | 51,903 | 389 | 272 |
| 7 | 52,293 | 392 | 275 |
| 8 | 52,685 | 395 | 277 |
| 9 | 53,080 | 398 | 279 |
| 10 | 53,478 | 401 | 281 |
| 11 | 53,879 | 404 | 283 |
| 12 | 54,283 | 407 | 285 |
| 13 | 54,690 | 410 | 287 |
| 14 | 55,101 | 413 | 289 |
| 15 | 55,514 | 416 | 291 |
| 16 | 55,930 | 419 | 294 |
| 17 | 56,350 | 423 | 296 |
| 18 | 56,772 | 426 | 298 |
| 19 | 57,198 | 429 | 300 |
| 20 | 57,627 | 432 | 303 |
| TOTAL | $8,059 | $5,641 |
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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|
|
4.50% |
$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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|
|
4.46% |
$50,000 |
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|
Last change: ↑0.26% on April 9. |
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