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 0.71% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 355 | 249 |
| 2 | 50,355 | 358 | 250 |
| 3 | 50,713 | 360 | 252 |
| 4 | 51,073 | 363 | 254 |
| 5 | 51,435 | 365 | 256 |
| 6 | 51,800 | 368 | 257 |
| 7 | 52,168 | 370 | 259 |
| 8 | 52,539 | 373 | 261 |
| 9 | 52,912 | 376 | 263 |
| 10 | 53,287 | 378 | 265 |
| 11 | 53,666 | 381 | 267 |
| 12 | 54,047 | 384 | 269 |
| 13 | 54,430 | 386 | 271 |
| 14 | 54,817 | 389 | 272 |
| 15 | 55,206 | 392 | 274 |
| 16 | 55,598 | 395 | 276 |
| 17 | 55,993 | 398 | 278 |
| 18 | 56,390 | 400 | 280 |
| 19 | 56,791 | 403 | 282 |
| 20 | 57,194 | 406 | 284 |
| TOTAL | $7,600 | $5,320 |
| Year | Rate 0.50% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 250 | 175 |
| 2 | 50,250 | 251 | 176 |
| 3 | 50,501 | 253 | 177 |
| 4 | 50,754 | 254 | 178 |
| 5 | 51,008 | 255 | 179 |
| 6 | 51,263 | 256 | 179 |
| 7 | 51,519 | 258 | 180 |
| 8 | 51,776 | 259 | 181 |
| 9 | 52,035 | 260 | 182 |
| 10 | 52,296 | 261 | 183 |
| 11 | 52,557 | 263 | 184 |
| 12 | 52,820 | 264 | 185 |
| 13 | 53,084 | 265 | 186 |
| 14 | 53,349 | 267 | 187 |
| 15 | 53,616 | 268 | 188 |
| 16 | 53,884 | 269 | 189 |
| 17 | 54,154 | 271 | 190 |
| 18 | 54,424 | 272 | 190 |
| 19 | 54,696 | 273 | 191 |
| 20 | 54,970 | 275 | 192 |
| TOTAL | $5,245 | $3,671 |
| 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? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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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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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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