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 3.05% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,525 | 1,068 |
| 2 | 51,525 | 1,572 | 1,100 |
| 3 | 53,097 | 1,619 | 1,134 |
| 4 | 54,716 | 1,669 | 1,168 |
| 5 | 56,385 | 1,720 | 1,204 |
| 6 | 58,105 | 1,772 | 1,241 |
| 7 | 59,877 | 1,826 | 1,278 |
| 8 | 61,703 | 1,882 | 1,317 |
| 9 | 63,585 | 1,939 | 1,358 |
| 10 | 65,524 | 1,998 | 1,399 |
| 11 | 67,523 | 2,059 | 1,442 |
| 12 | 69,582 | 2,122 | 1,486 |
| 13 | 71,704 | 2,187 | 1,531 |
| 14 | 73,891 | 2,254 | 1,578 |
| 15 | 76,145 | 2,322 | 1,626 |
| 16 | 78,468 | 2,393 | 1,675 |
| 17 | 80,861 | 2,466 | 1,726 |
| 18 | 83,327 | 2,541 | 1,779 |
| 19 | 85,869 | 2,619 | 1,833 |
| 20 | 88,488 | 2,699 | 1,889 |
| TOTAL | $41,186 | $28,830 |
| Year | Rate 3.95% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,975 | 1,383 |
| 2 | 51,975 | 2,053 | 1,437 |
| 3 | 54,028 | 2,134 | 1,494 |
| 4 | 56,162 | 2,218 | 1,553 |
| 5 | 58,381 | 2,306 | 1,614 |
| 6 | 60,687 | 2,397 | 1,678 |
| 7 | 63,084 | 2,492 | 1,744 |
| 8 | 65,575 | 2,590 | 1,813 |
| 9 | 68,166 | 2,693 | 1,885 |
| 10 | 70,858 | 2,799 | 1,959 |
| 11 | 73,657 | 2,909 | 2,037 |
| 12 | 76,567 | 3,024 | 2,117 |
| 13 | 79,591 | 3,144 | 2,201 |
| 14 | 82,735 | 3,268 | 2,288 |
| 15 | 86,003 | 3,397 | 2,378 |
| 16 | 89,400 | 3,531 | 2,472 |
| 17 | 92,931 | 3,671 | 2,570 |
| 18 | 96,602 | 3,816 | 2,671 |
| 19 | 100,418 | 3,967 | 2,777 |
| 20 | 104,384 | 4,123 | 2,886 |
| TOTAL | $58,508 | $40,955 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.35% |
$1,000 |
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Last change: ↑2.35% on September 16. |
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|
|
4.34% |
$500 |
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Last change: ↑1.66% on April 4. |
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|
|
4.34% |
$500 |
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Last change: ↑0.66% on February 4. |
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|
|
4.30% |
$50,000 |
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|
Last change: ↓0.15% on September 23. |
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|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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