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 4.86% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,430 | 1,701 |
| 2 | 52,430 | 2,548 | 1,784 |
| 3 | 54,978 | 2,672 | 1,870 |
| 4 | 57,650 | 2,802 | 1,961 |
| 5 | 60,452 | 2,938 | 2,057 |
| 6 | 63,390 | 3,081 | 2,157 |
| 7 | 66,471 | 3,230 | 2,261 |
| 8 | 69,701 | 3,387 | 2,371 |
| 9 | 73,088 | 3,552 | 2,486 |
| 10 | 76,641 | 3,725 | 2,607 |
| 11 | 80,365 | 3,906 | 2,734 |
| 12 | 84,271 | 4,096 | 2,867 |
| 13 | 88,367 | 4,295 | 3,006 |
| 14 | 92,661 | 4,503 | 3,152 |
| 15 | 97,165 | 4,722 | 3,306 |
| 16 | 101,887 | 4,952 | 3,466 |
| 17 | 106,838 | 5,192 | 3,635 |
| 18 | 112,031 | 5,445 | 3,811 |
| 19 | 117,476 | 5,709 | 3,997 |
| 20 | 123,185 | 5,987 | 4,191 |
| TOTAL | $79,172 | $55,420 |
| Year | Rate 4.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,000 | 1,400 |
| 2 | 52,000 | 2,080 | 1,456 |
| 3 | 54,080 | 2,163 | 1,514 |
| 4 | 56,243 | 2,250 | 1,575 |
| 5 | 58,493 | 2,340 | 1,638 |
| 6 | 60,833 | 2,433 | 1,703 |
| 7 | 63,266 | 2,531 | 1,771 |
| 8 | 65,797 | 2,632 | 1,842 |
| 9 | 68,428 | 2,737 | 1,916 |
| 10 | 71,166 | 2,847 | 1,993 |
| 11 | 74,012 | 2,960 | 2,072 |
| 12 | 76,973 | 3,079 | 2,155 |
| 13 | 80,052 | 3,202 | 2,241 |
| 14 | 83,254 | 3,330 | 2,331 |
| 15 | 86,584 | 3,463 | 2,424 |
| 16 | 90,047 | 3,602 | 2,521 |
| 17 | 93,649 | 3,746 | 2,622 |
| 18 | 97,395 | 3,896 | 2,727 |
| 19 | 101,291 | 4,052 | 2,836 |
| 20 | 105,342 | 4,214 | 2,950 |
| TOTAL | $59,556 | $41,689 |
| Year | Rate 3.55% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,775 | 1,243 |
| 2 | 51,775 | 1,838 | 1,287 |
| 3 | 53,613 | 1,903 | 1,332 |
| 4 | 55,516 | 1,971 | 1,380 |
| 5 | 57,487 | 2,041 | 1,429 |
| 6 | 59,528 | 2,113 | 1,479 |
| 7 | 61,641 | 2,188 | 1,532 |
| 8 | 63,829 | 2,266 | 1,586 |
| 9 | 66,095 | 2,346 | 1,642 |
| 10 | 68,442 | 2,430 | 1,701 |
| 11 | 70,871 | 2,516 | 1,761 |
| 12 | 73,387 | 2,605 | 1,824 |
| 13 | 75,993 | 2,698 | 1,888 |
| 14 | 78,690 | 2,794 | 1,955 |
| 15 | 81,484 | 2,893 | 2,025 |
| 16 | 84,377 | 2,995 | 2,097 |
| 17 | 87,372 | 3,102 | 2,171 |
| 18 | 90,474 | 3,212 | 2,248 |
| 19 | 93,685 | 3,326 | 2,328 |
| 20 | 97,011 | 3,444 | 2,411 |
| TOTAL | $50,455 | $35,319 |
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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