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 1.45% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 725 | 508 |
| 2 | 50,725 | 736 | 515 |
| 3 | 51,461 | 746 | 522 |
| 4 | 52,207 | 757 | 530 |
| 5 | 52,964 | 768 | 538 |
| 6 | 53,732 | 779 | 545 |
| 7 | 54,511 | 790 | 553 |
| 8 | 55,301 | 802 | 561 |
| 9 | 56,103 | 813 | 569 |
| 10 | 56,917 | 825 | 578 |
| 11 | 57,742 | 837 | 586 |
| 12 | 58,579 | 849 | 595 |
| 13 | 59,428 | 862 | 603 |
| 14 | 60,290 | 874 | 612 |
| 15 | 61,164 | 887 | 621 |
| 16 | 62,051 | 900 | 630 |
| 17 | 62,951 | 913 | 639 |
| 18 | 63,864 | 926 | 648 |
| 19 | 64,790 | 939 | 658 |
| 20 | 65,729 | 953 | 667 |
| TOTAL | $16,682 | $11,678 |
| 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 1.60% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 800 | 560 |
| 2 | 50,800 | 813 | 569 |
| 3 | 51,613 | 826 | 578 |
| 4 | 52,439 | 839 | 587 |
| 5 | 53,278 | 852 | 597 |
| 6 | 54,130 | 866 | 606 |
| 7 | 54,996 | 880 | 616 |
| 8 | 55,876 | 894 | 626 |
| 9 | 56,770 | 908 | 636 |
| 10 | 57,678 | 923 | 646 |
| 11 | 58,601 | 938 | 656 |
| 12 | 59,539 | 953 | 667 |
| 13 | 60,492 | 968 | 678 |
| 14 | 61,459 | 983 | 688 |
| 15 | 62,443 | 999 | 699 |
| 16 | 63,442 | 1,015 | 711 |
| 17 | 64,457 | 1,031 | 722 |
| 18 | 65,488 | 1,048 | 733 |
| 19 | 66,536 | 1,065 | 745 |
| 20 | 67,601 | 1,082 | 757 |
| TOTAL | $18,682 | $13,078 |
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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|
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4.50% |
$50,000 |
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Last change: ↑0.20% on April 9. |
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|
|
4.46% |
$50,000 |
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Last change: ↑0.26% on April 9. |
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|
|
4.45% |
$1,500 |
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Last change: ↑0.10% on July 13. |
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