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 1.01% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 503 | 352 |
| 2 | 50,503 | 508 | 355 |
| 3 | 51,010 | 513 | 359 |
| 4 | 51,523 | 518 | 362 |
| 5 | 52,041 | 523 | 366 |
| 6 | 52,564 | 528 | 370 |
| 7 | 53,092 | 534 | 374 |
| 8 | 53,625 | 539 | 377 |
| 9 | 54,164 | 544 | 381 |
| 10 | 54,709 | 550 | 385 |
| 11 | 55,258 | 555 | 389 |
| 12 | 55,814 | 561 | 393 |
| 13 | 56,375 | 567 | 397 |
| 14 | 56,941 | 572 | 401 |
| 15 | 57,514 | 578 | 405 |
| 16 | 58,092 | 584 | 409 |
| 17 | 58,675 | 590 | 413 |
| 18 | 59,265 | 596 | 417 |
| 19 | 59,861 | 602 | 421 |
| 20 | 60,462 | 608 | 425 |
| TOTAL | $11,070 | $7,749 |
| Year | Rate 3.54% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,770 | 1,239 |
| 2 | 51,770 | 1,833 | 1,283 |
| 3 | 53,603 | 1,898 | 1,328 |
| 4 | 55,500 | 1,965 | 1,375 |
| 5 | 57,465 | 2,034 | 1,424 |
| 6 | 59,499 | 2,106 | 1,474 |
| 7 | 61,605 | 2,181 | 1,527 |
| 8 | 63,786 | 2,258 | 1,581 |
| 9 | 66,044 | 2,338 | 1,637 |
| 10 | 68,382 | 2,421 | 1,695 |
| 11 | 70,803 | 2,506 | 1,754 |
| 12 | 73,309 | 2,595 | 1,817 |
| 13 | 75,905 | 2,687 | 1,881 |
| 14 | 78,592 | 2,782 | 1,947 |
| 15 | 81,374 | 2,881 | 2,016 |
| 16 | 84,254 | 2,983 | 2,088 |
| 17 | 87,237 | 3,088 | 2,162 |
| 18 | 90,325 | 3,198 | 2,238 |
| 19 | 93,523 | 3,311 | 2,317 |
| 20 | 96,833 | 3,428 | 2,400 |
| TOTAL | $50,261 | $35,183 |
| Year | Rate 2.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,375 | 963 |
| 2 | 51,375 | 1,413 | 989 |
| 3 | 52,788 | 1,452 | 1,016 |
| 4 | 54,239 | 1,492 | 1,044 |
| 5 | 55,731 | 1,533 | 1,073 |
| 6 | 57,264 | 1,575 | 1,102 |
| 7 | 58,838 | 1,618 | 1,133 |
| 8 | 60,456 | 1,663 | 1,164 |
| 9 | 62,119 | 1,708 | 1,196 |
| 10 | 63,827 | 1,755 | 1,229 |
| 11 | 65,583 | 1,804 | 1,262 |
| 12 | 67,386 | 1,853 | 1,297 |
| 13 | 69,239 | 1,904 | 1,333 |
| 14 | 71,143 | 1,956 | 1,370 |
| 15 | 73,100 | 2,010 | 1,407 |
| 16 | 75,110 | 2,066 | 1,446 |
| 17 | 77,175 | 2,122 | 1,486 |
| 18 | 79,298 | 2,181 | 1,526 |
| 19 | 81,478 | 2,241 | 1,568 |
| 20 | 83,719 | 2,302 | 1,612 |
| TOTAL | $36,021 | $25,215 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
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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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|
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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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