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 0.07% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 35 | 25 |
| 2 | 50,035 | 35 | 25 |
| 3 | 50,070 | 35 | 25 |
| 4 | 50,105 | 35 | 25 |
| 5 | 50,140 | 35 | 25 |
| 6 | 50,175 | 35 | 25 |
| 7 | 50,210 | 35 | 25 |
| 8 | 50,246 | 35 | 25 |
| 9 | 50,281 | 35 | 25 |
| 10 | 50,316 | 35 | 25 |
| 11 | 50,351 | 35 | 25 |
| 12 | 50,386 | 35 | 25 |
| 13 | 50,422 | 35 | 25 |
| 14 | 50,457 | 35 | 25 |
| 15 | 50,492 | 35 | 25 |
| 16 | 50,528 | 35 | 25 |
| 17 | 50,563 | 35 | 25 |
| 18 | 50,598 | 35 | 25 |
| 19 | 50,634 | 35 | 25 |
| 20 | 50,669 | 35 | 25 |
| TOTAL | $705 | $493 |
| Year | Rate 2.37% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,185 | 830 |
| 2 | 51,185 | 1,213 | 849 |
| 3 | 52,398 | 1,242 | 869 |
| 4 | 53,640 | 1,271 | 890 |
| 5 | 54,911 | 1,301 | 911 |
| 6 | 56,213 | 1,332 | 933 |
| 7 | 57,545 | 1,364 | 955 |
| 8 | 58,909 | 1,396 | 977 |
| 9 | 60,305 | 1,429 | 1,000 |
| 10 | 61,734 | 1,463 | 1,024 |
| 11 | 63,197 | 1,498 | 1,048 |
| 12 | 64,695 | 1,533 | 1,073 |
| 13 | 66,228 | 1,570 | 1,099 |
| 14 | 67,798 | 1,607 | 1,125 |
| 15 | 69,405 | 1,645 | 1,151 |
| 16 | 71,049 | 1,684 | 1,179 |
| 17 | 72,733 | 1,724 | 1,207 |
| 18 | 74,457 | 1,765 | 1,235 |
| 19 | 76,222 | 1,806 | 1,265 |
| 20 | 78,028 | 1,849 | 1,294 |
| TOTAL | $29,877 | $20,914 |
| Year | Rate 4.13% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,065 | 1,446 |
| 2 | 52,065 | 2,150 | 1,505 |
| 3 | 54,215 | 2,239 | 1,567 |
| 4 | 56,454 | 2,332 | 1,632 |
| 5 | 58,786 | 2,428 | 1,700 |
| 6 | 61,214 | 2,528 | 1,770 |
| 7 | 63,742 | 2,633 | 1,843 |
| 8 | 66,374 | 2,741 | 1,919 |
| 9 | 69,116 | 2,854 | 1,998 |
| 10 | 71,970 | 2,972 | 2,081 |
| 11 | 74,943 | 3,095 | 2,167 |
| 12 | 78,038 | 3,223 | 2,256 |
| 13 | 81,261 | 3,356 | 2,349 |
| 14 | 84,617 | 3,495 | 2,446 |
| 15 | 88,111 | 3,639 | 2,547 |
| 16 | 91,750 | 3,789 | 2,653 |
| 17 | 95,540 | 3,946 | 2,762 |
| 18 | 99,485 | 4,109 | 2,876 |
| 19 | 103,594 | 4,278 | 2,995 |
| 20 | 107,873 | 4,455 | 3,119 |
| TOTAL | $62,328 | $43,629 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
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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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|
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4.50% |
$50,000 |
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Last change: ↓0.05% on April 30. |
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|
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4.50% |
$50,000 |
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Last change: ↑0.20% on April 9. |
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4.50% |
$500 |
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Last change: ↓0.50% on February 25. |
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