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 3.15% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,575 | 1,103 |
| 2 | 51,575 | 1,625 | 1,137 |
| 3 | 53,200 | 1,676 | 1,173 |
| 4 | 54,875 | 1,729 | 1,210 |
| 5 | 56,604 | 1,783 | 1,248 |
| 6 | 58,387 | 1,839 | 1,287 |
| 7 | 60,226 | 1,897 | 1,328 |
| 8 | 62,123 | 1,957 | 1,370 |
| 9 | 64,080 | 2,019 | 1,413 |
| 10 | 66,099 | 2,082 | 1,457 |
| 11 | 68,181 | 2,148 | 1,503 |
| 12 | 70,329 | 2,215 | 1,551 |
| 13 | 72,544 | 2,285 | 1,600 |
| 14 | 74,829 | 2,357 | 1,650 |
| 15 | 77,186 | 2,431 | 1,702 |
| 16 | 79,617 | 2,508 | 1,756 |
| 17 | 82,125 | 2,587 | 1,811 |
| 18 | 84,712 | 2,668 | 1,868 |
| 19 | 87,381 | 2,752 | 1,927 |
| 20 | 90,133 | 2,839 | 1,987 |
| TOTAL | $42,973 | $30,081 |
| Year | Rate 3.20% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,600 | 1,120 |
| 2 | 51,600 | 1,651 | 1,156 |
| 3 | 53,251 | 1,704 | 1,193 |
| 4 | 54,955 | 1,759 | 1,231 |
| 5 | 56,714 | 1,815 | 1,270 |
| 6 | 58,529 | 1,873 | 1,311 |
| 7 | 60,402 | 1,933 | 1,353 |
| 8 | 62,334 | 1,995 | 1,396 |
| 9 | 64,329 | 2,059 | 1,441 |
| 10 | 66,388 | 2,124 | 1,487 |
| 11 | 68,512 | 2,192 | 1,535 |
| 12 | 70,704 | 2,263 | 1,584 |
| 13 | 72,967 | 2,335 | 1,634 |
| 14 | 75,302 | 2,410 | 1,687 |
| 15 | 77,712 | 2,487 | 1,741 |
| 16 | 80,198 | 2,566 | 1,796 |
| 17 | 82,765 | 2,648 | 1,854 |
| 18 | 85,413 | 2,733 | 1,913 |
| 19 | 88,146 | 2,821 | 1,974 |
| 20 | 90,967 | 2,911 | 2,038 |
| TOTAL | $43,878 | $30,715 |
| 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 |
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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