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 0.20% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 100 | 70 |
2 | 50,100 | 100 | 70 |
3 | 50,200 | 100 | 70 |
4 | 50,301 | 101 | 70 |
5 | 50,401 | 101 | 71 |
6 | 50,502 | 101 | 71 |
7 | 50,603 | 101 | 71 |
8 | 50,704 | 101 | 71 |
9 | 50,806 | 102 | 71 |
10 | 50,907 | 102 | 71 |
11 | 51,009 | 102 | 71 |
12 | 51,111 | 102 | 72 |
13 | 51,213 | 102 | 72 |
14 | 51,316 | 103 | 72 |
15 | 51,418 | 103 | 72 |
16 | 51,521 | 103 | 72 |
17 | 51,624 | 103 | 72 |
18 | 51,727 | 103 | 72 |
19 | 51,831 | 104 | 73 |
20 | 51,935 | 104 | 73 |
TOTAL | $2,038 | $1,427 |
Year | Rate 3.60% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,800 | 1,260 |
2 | 51,800 | 1,865 | 1,305 |
3 | 53,665 | 1,932 | 1,352 |
4 | 55,597 | 2,001 | 1,401 |
5 | 57,598 | 2,074 | 1,451 |
6 | 59,672 | 2,148 | 1,504 |
7 | 61,820 | 2,226 | 1,558 |
8 | 64,045 | 2,306 | 1,614 |
9 | 66,351 | 2,389 | 1,672 |
10 | 68,740 | 2,475 | 1,732 |
11 | 71,214 | 2,564 | 1,795 |
12 | 73,778 | 2,656 | 1,859 |
13 | 76,434 | 2,752 | 1,926 |
14 | 79,186 | 2,851 | 1,995 |
15 | 82,036 | 2,953 | 2,067 |
16 | 84,990 | 3,060 | 2,142 |
17 | 88,049 | 3,170 | 2,219 |
18 | 91,219 | 3,284 | 2,299 |
19 | 94,503 | 3,402 | 2,381 |
20 | 97,905 | 3,525 | 2,467 |
TOTAL | $51,430 | $36,001 |
Year | Rate 0.45% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 226 | 158 |
2 | 50,226 | 227 | 159 |
3 | 50,452 | 228 | 159 |
4 | 50,680 | 229 | 160 |
5 | 50,908 | 230 | 161 |
6 | 51,138 | 231 | 161 |
7 | 51,368 | 232 | 162 |
8 | 51,600 | 233 | 163 |
9 | 51,833 | 234 | 164 |
10 | 52,067 | 235 | 164 |
11 | 52,301 | 236 | 165 |
12 | 52,537 | 237 | 166 |
13 | 52,774 | 238 | 167 |
14 | 53,012 | 239 | 167 |
15 | 53,251 | 240 | 168 |
16 | 53,491 | 241 | 169 |
17 | 53,733 | 242 | 170 |
18 | 53,975 | 243 | 170 |
19 | 54,218 | 245 | 171 |
20 | 54,463 | 246 | 172 |
TOTAL | $4,709 | $3,296 |
Year | Rate 0.91% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 455 | 319 |
2 | 50,455 | 459 | 321 |
3 | 50,914 | 463 | 324 |
4 | 51,377 | 468 | 327 |
5 | 51,845 | 472 | 330 |
6 | 52,317 | 476 | 333 |
7 | 52,793 | 480 | 336 |
8 | 53,273 | 485 | 339 |
9 | 53,758 | 489 | 342 |
10 | 54,247 | 494 | 346 |
11 | 54,741 | 498 | 349 |
12 | 55,239 | 503 | 352 |
13 | 55,742 | 507 | 355 |
14 | 56,249 | 512 | 358 |
15 | 56,761 | 517 | 362 |
16 | 57,277 | 521 | 365 |
17 | 57,799 | 526 | 368 |
18 | 58,325 | 531 | 372 |
19 | 58,855 | 536 | 375 |
20 | 59,391 | 540 | 378 |
TOTAL | $9,931 | $6,952 |
Year | Rate 0.55% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 275 | 193 |
2 | 50,275 | 277 | 194 |
3 | 50,552 | 278 | 195 |
4 | 50,830 | 280 | 196 |
5 | 51,109 | 281 | 197 |
6 | 51,390 | 283 | 198 |
7 | 51,673 | 284 | 199 |
8 | 51,957 | 286 | 200 |
9 | 52,243 | 287 | 201 |
10 | 52,530 | 289 | 202 |
11 | 52,819 | 291 | 203 |
12 | 53,110 | 292 | 204 |
13 | 53,402 | 294 | 206 |
14 | 53,695 | 295 | 207 |
15 | 53,991 | 297 | 208 |
16 | 54,288 | 299 | 209 |
17 | 54,586 | 300 | 210 |
18 | 54,886 | 302 | 211 |
19 | 55,188 | 304 | 212 |
20 | 55,492 | 305 | 214 |
TOTAL | $5,797 | $4,058 |
Year | Rate 0.39% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 195 | 137 |
2 | 50,195 | 196 | 137 |
3 | 50,391 | 197 | 138 |
4 | 50,587 | 197 | 138 |
5 | 50,785 | 198 | 139 |
6 | 50,983 | 199 | 139 |
7 | 51,181 | 200 | 140 |
8 | 51,381 | 200 | 140 |
9 | 51,581 | 201 | 141 |
10 | 51,783 | 202 | 141 |
11 | 51,985 | 203 | 142 |
12 | 52,187 | 204 | 142 |
13 | 52,391 | 204 | 143 |
14 | 52,595 | 205 | 144 |
15 | 52,800 | 206 | 144 |
16 | 53,006 | 207 | 145 |
17 | 53,213 | 208 | 145 |
18 | 53,420 | 208 | 146 |
19 | 53,629 | 209 | 146 |
20 | 53,838 | 210 | 147 |
TOTAL | $4,048 | $2,834 |
Year | Rate 0.15% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 75 | 53 |
2 | 50,075 | 75 | 53 |
3 | 50,150 | 75 | 53 |
4 | 50,225 | 75 | 53 |
5 | 50,301 | 75 | 53 |
6 | 50,376 | 76 | 53 |
7 | 50,452 | 76 | 53 |
8 | 50,527 | 76 | 53 |
9 | 50,603 | 76 | 53 |
10 | 50,679 | 76 | 53 |
11 | 50,755 | 76 | 53 |
12 | 50,831 | 76 | 53 |
13 | 50,907 | 76 | 53 |
14 | 50,984 | 76 | 54 |
15 | 51,060 | 77 | 54 |
16 | 51,137 | 77 | 54 |
17 | 51,214 | 77 | 54 |
18 | 51,290 | 77 | 54 |
19 | 51,367 | 77 | 54 |
20 | 51,444 | 77 | 54 |
TOTAL | $1,522 | $1,065 |
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 0.40% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 200 | 140 |
2 | 50,200 | 201 | 141 |
3 | 50,401 | 202 | 141 |
4 | 50,602 | 202 | 142 |
5 | 50,805 | 203 | 142 |
6 | 51,008 | 204 | 143 |
7 | 51,212 | 205 | 143 |
8 | 51,417 | 206 | 144 |
9 | 51,623 | 206 | 145 |
10 | 51,829 | 207 | 145 |
11 | 52,036 | 208 | 146 |
12 | 52,245 | 209 | 146 |
13 | 52,454 | 210 | 147 |
14 | 52,663 | 211 | 147 |
15 | 52,874 | 211 | 148 |
16 | 53,085 | 212 | 149 |
17 | 53,298 | 213 | 149 |
18 | 53,511 | 214 | 150 |
19 | 53,725 | 215 | 150 |
20 | 53,940 | 216 | 151 |
TOTAL | $4,156 | $2,909 |
Year | Rate 0.75% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 375 | 263 |
2 | 50,375 | 378 | 264 |
3 | 50,753 | 381 | 266 |
4 | 51,133 | 384 | 268 |
5 | 51,517 | 386 | 270 |
6 | 51,903 | 389 | 272 |
7 | 52,293 | 392 | 275 |
8 | 52,685 | 395 | 277 |
9 | 53,080 | 398 | 279 |
10 | 53,478 | 401 | 281 |
11 | 53,879 | 404 | 283 |
12 | 54,283 | 407 | 285 |
13 | 54,690 | 410 | 287 |
14 | 55,101 | 413 | 289 |
15 | 55,514 | 416 | 291 |
16 | 55,930 | 419 | 294 |
17 | 56,350 | 423 | 296 |
18 | 56,772 | 426 | 298 |
19 | 57,198 | 429 | 300 |
20 | 57,627 | 432 | 303 |
TOTAL | $8,059 | $5,641 |
Year | Rate 0.45% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 225 | 158 |
2 | 50,225 | 226 | 158 |
3 | 50,451 | 227 | 159 |
4 | 50,678 | 228 | 160 |
5 | 50,906 | 229 | 160 |
6 | 51,135 | 230 | 161 |
7 | 51,365 | 231 | 162 |
8 | 51,596 | 232 | 163 |
9 | 51,829 | 233 | 163 |
10 | 52,062 | 234 | 164 |
11 | 52,296 | 235 | 165 |
12 | 52,531 | 236 | 165 |
13 | 52,768 | 237 | 166 |
14 | 53,005 | 239 | 167 |
15 | 53,244 | 240 | 168 |
16 | 53,483 | 241 | 168 |
17 | 53,724 | 242 | 169 |
18 | 53,966 | 243 | 170 |
19 | 54,209 | 244 | 171 |
20 | 54,453 | 245 | 172 |
TOTAL | $4,698 | $3,288 |
Year | Rate 0.45% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 225 | 158 |
2 | 50,225 | 226 | 158 |
3 | 50,451 | 227 | 159 |
4 | 50,678 | 228 | 160 |
5 | 50,906 | 229 | 160 |
6 | 51,135 | 230 | 161 |
7 | 51,365 | 231 | 162 |
8 | 51,596 | 232 | 163 |
9 | 51,829 | 233 | 163 |
10 | 52,062 | 234 | 164 |
11 | 52,296 | 235 | 165 |
12 | 52,531 | 236 | 165 |
13 | 52,768 | 237 | 166 |
14 | 53,005 | 239 | 167 |
15 | 53,244 | 240 | 168 |
16 | 53,483 | 241 | 168 |
17 | 53,724 | 242 | 169 |
18 | 53,966 | 243 | 170 |
19 | 54,209 | 244 | 171 |
20 | 54,453 | 245 | 172 |
TOTAL | $4,698 | $3,288 |
Year | Rate 0.75% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 375 | 263 |
2 | 50,375 | 378 | 264 |
3 | 50,753 | 381 | 266 |
4 | 51,133 | 384 | 268 |
5 | 51,517 | 386 | 270 |
6 | 51,903 | 389 | 272 |
7 | 52,293 | 392 | 275 |
8 | 52,685 | 395 | 277 |
9 | 53,080 | 398 | 279 |
10 | 53,478 | 401 | 281 |
11 | 53,879 | 404 | 283 |
12 | 54,283 | 407 | 285 |
13 | 54,690 | 410 | 287 |
14 | 55,101 | 413 | 289 |
15 | 55,514 | 416 | 291 |
16 | 55,930 | 419 | 294 |
17 | 56,350 | 423 | 296 |
18 | 56,772 | 426 | 298 |
19 | 57,198 | 429 | 300 |
20 | 57,627 | 432 | 303 |
TOTAL | $8,059 | $5,641 |
Year | Rate 0.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 125 | 88 |
2 | 50,125 | 125 | 88 |
3 | 50,250 | 126 | 88 |
4 | 50,376 | 126 | 88 |
5 | 50,502 | 126 | 88 |
6 | 50,628 | 127 | 89 |
7 | 50,755 | 127 | 89 |
8 | 50,882 | 127 | 89 |
9 | 51,009 | 128 | 89 |
10 | 51,136 | 128 | 89 |
11 | 51,264 | 128 | 90 |
12 | 51,392 | 128 | 90 |
13 | 51,521 | 129 | 90 |
14 | 51,650 | 129 | 90 |
15 | 51,779 | 129 | 91 |
16 | 51,908 | 130 | 91 |
17 | 52,038 | 130 | 91 |
18 | 52,168 | 130 | 91 |
19 | 52,298 | 131 | 92 |
20 | 52,429 | 131 | 92 |
TOTAL | $2,560 | $1,792 |
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 0.90% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 450 | 315 |
2 | 50,450 | 454 | 318 |
3 | 50,904 | 458 | 321 |
4 | 51,362 | 462 | 324 |
5 | 51,824 | 466 | 326 |
6 | 52,291 | 471 | 329 |
7 | 52,761 | 475 | 332 |
8 | 53,236 | 479 | 335 |
9 | 53,715 | 483 | 338 |
10 | 54,199 | 488 | 341 |
11 | 54,687 | 492 | 345 |
12 | 55,179 | 497 | 348 |
13 | 55,675 | 501 | 351 |
14 | 56,177 | 506 | 354 |
15 | 56,682 | 510 | 357 |
16 | 57,192 | 515 | 360 |
17 | 57,707 | 519 | 364 |
18 | 58,226 | 524 | 367 |
19 | 58,750 | 529 | 370 |
20 | 59,279 | 534 | 373 |
TOTAL | $9,813 | $6,869 |
Year | Rate 0.10% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 50 | 35 |
2 | 50,050 | 50 | 35 |
3 | 50,100 | 50 | 35 |
4 | 50,150 | 50 | 35 |
5 | 50,200 | 50 | 35 |
6 | 50,251 | 50 | 35 |
7 | 50,301 | 50 | 35 |
8 | 50,351 | 50 | 35 |
9 | 50,401 | 50 | 35 |
10 | 50,452 | 50 | 35 |
11 | 50,502 | 51 | 35 |
12 | 50,553 | 51 | 35 |
13 | 50,603 | 51 | 35 |
14 | 50,654 | 51 | 35 |
15 | 50,705 | 51 | 35 |
16 | 50,755 | 51 | 36 |
17 | 50,806 | 51 | 36 |
18 | 50,857 | 51 | 36 |
19 | 50,908 | 51 | 36 |
20 | 50,959 | 51 | 36 |
TOTAL | $1,010 | $707 |
Year | Rate 2.38% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,190 | 833 |
2 | 51,190 | 1,218 | 853 |
3 | 52,408 | 1,247 | 873 |
4 | 53,656 | 1,277 | 894 |
5 | 54,933 | 1,307 | 915 |
6 | 56,240 | 1,339 | 937 |
7 | 57,579 | 1,370 | 959 |
8 | 58,949 | 1,403 | 982 |
9 | 60,352 | 1,436 | 1,005 |
10 | 61,788 | 1,471 | 1,029 |
11 | 63,259 | 1,506 | 1,054 |
12 | 64,764 | 1,541 | 1,079 |
13 | 66,306 | 1,578 | 1,105 |
14 | 67,884 | 1,616 | 1,131 |
15 | 69,500 | 1,654 | 1,158 |
16 | 71,154 | 1,693 | 1,185 |
17 | 72,847 | 1,734 | 1,214 |
18 | 74,581 | 1,775 | 1,243 |
19 | 76,356 | 1,817 | 1,272 |
20 | 78,173 | 1,861 | 1,302 |
TOTAL | $30,034 | $21,024 |
Year | Rate 0.42% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 210 | 147 |
2 | 50,210 | 211 | 148 |
3 | 50,421 | 212 | 148 |
4 | 50,633 | 213 | 149 |
5 | 50,845 | 214 | 149 |
6 | 51,059 | 214 | 150 |
7 | 51,273 | 215 | 151 |
8 | 51,489 | 216 | 151 |
9 | 51,705 | 217 | 152 |
10 | 51,922 | 218 | 153 |
11 | 52,140 | 219 | 153 |
12 | 52,359 | 220 | 154 |
13 | 52,579 | 221 | 155 |
14 | 52,800 | 222 | 155 |
15 | 53,022 | 223 | 156 |
16 | 53,244 | 224 | 157 |
17 | 53,468 | 225 | 157 |
18 | 53,693 | 226 | 158 |
19 | 53,918 | 226 | 159 |
20 | 54,144 | 227 | 159 |
TOTAL | $4,372 | $3,060 |
Year | Rate 0.15% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 75 | 53 |
2 | 50,075 | 75 | 53 |
3 | 50,150 | 75 | 53 |
4 | 50,225 | 75 | 53 |
5 | 50,301 | 75 | 53 |
6 | 50,376 | 76 | 53 |
7 | 50,452 | 76 | 53 |
8 | 50,527 | 76 | 53 |
9 | 50,603 | 76 | 53 |
10 | 50,679 | 76 | 53 |
11 | 50,755 | 76 | 53 |
12 | 50,831 | 76 | 53 |
13 | 50,907 | 76 | 53 |
14 | 50,984 | 76 | 54 |
15 | 51,060 | 77 | 54 |
16 | 51,137 | 77 | 54 |
17 | 51,214 | 77 | 54 |
18 | 51,290 | 77 | 54 |
19 | 51,367 | 77 | 54 |
20 | 51,444 | 77 | 54 |
TOTAL | $1,522 | $1,065 |
Year | Rate 0.85% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 425 | 298 |
2 | 50,425 | 429 | 300 |
3 | 50,854 | 432 | 303 |
4 | 51,286 | 436 | 305 |
5 | 51,722 | 440 | 308 |
6 | 52,161 | 443 | 310 |
7 | 52,605 | 447 | 313 |
8 | 53,052 | 451 | 316 |
9 | 53,503 | 455 | 318 |
10 | 53,958 | 459 | 321 |
11 | 54,416 | 463 | 324 |
12 | 54,879 | 466 | 327 |
13 | 55,345 | 470 | 329 |
14 | 55,816 | 474 | 332 |
15 | 56,290 | 478 | 335 |
16 | 56,769 | 483 | 338 |
17 | 57,251 | 487 | 341 |
18 | 57,738 | 491 | 344 |
19 | 58,229 | 495 | 346 |
20 | 58,724 | 499 | 349 |
TOTAL | $9,223 | $6,456 |
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 |
All calculations are for demonstration purposes only.
ONLINE BANKS | APY? | MIN? | ||
---|---|---|---|---|
|
4.55% |
$1,000 |
Learn More | |
Last change: ↓0.50% on October 1, 2024. |
||||
|
4.50% |
$500 |
Learn More | |
Last change: ↑0.20% on January 18. |
||||
|
4.50% |
$50,000 |
Learn More | |
Last change: ↓0.05% on April 30. |
||||
|
4.50% |
$50,000 |
Learn More | |
Last change: ↑0.20% on April 9. |
||||
|
4.50% |
$500 |
Learn More | |
Last change: ↓0.50% on February 25. |