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 0.05% |
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 |
| Year | Rate 0.89% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 445 | 312 |
| 2 | 50,445 | 449 | 314 |
| 3 | 50,894 | 453 | 317 |
| 4 | 51,347 | 457 | 320 |
| 5 | 51,804 | 461 | 323 |
| 6 | 52,265 | 465 | 326 |
| 7 | 52,730 | 469 | 329 |
| 8 | 53,199 | 473 | 331 |
| 9 | 53,673 | 478 | 334 |
| 10 | 54,151 | 482 | 337 |
| 11 | 54,633 | 486 | 340 |
| 12 | 55,119 | 491 | 343 |
| 13 | 55,609 | 495 | 346 |
| 14 | 56,104 | 499 | 350 |
| 15 | 56,604 | 504 | 353 |
| 16 | 57,107 | 508 | 356 |
| 17 | 57,616 | 513 | 359 |
| 18 | 58,128 | 517 | 362 |
| 19 | 58,646 | 522 | 365 |
| 20 | 59,168 | 527 | 369 |
| TOTAL | $9,694 | $6,786 |
| Year | Rate 4.70% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,350 | 1,645 |
| 2 | 52,350 | 2,460 | 1,722 |
| 3 | 54,810 | 2,576 | 1,803 |
| 4 | 57,387 | 2,697 | 1,888 |
| 5 | 60,084 | 2,824 | 1,977 |
| 6 | 62,908 | 2,957 | 2,070 |
| 7 | 65,864 | 3,096 | 2,167 |
| 8 | 68,960 | 3,241 | 2,269 |
| 9 | 72,201 | 3,393 | 2,375 |
| 10 | 75,594 | 3,553 | 2,487 |
| 11 | 79,147 | 3,720 | 2,604 |
| 12 | 82,867 | 3,895 | 2,726 |
| 13 | 86,762 | 4,078 | 2,854 |
| 14 | 90,840 | 4,269 | 2,989 |
| 15 | 95,109 | 4,470 | 3,129 |
| 16 | 99,580 | 4,680 | 3,276 |
| 17 | 104,260 | 4,900 | 3,430 |
| 18 | 109,160 | 5,131 | 3,591 |
| 19 | 114,291 | 5,372 | 3,760 |
| 20 | 119,662 | 5,624 | 3,937 |
| TOTAL | $75,286 | $52,700 |
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: ↓0.05% on April 30. |
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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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