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 3.45% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,725 | 1,208 |
| 2 | 51,725 | 1,785 | 1,249 |
| 3 | 53,510 | 1,846 | 1,292 |
| 4 | 55,356 | 1,910 | 1,337 |
| 5 | 57,265 | 1,976 | 1,383 |
| 6 | 59,241 | 2,044 | 1,431 |
| 7 | 61,285 | 2,114 | 1,480 |
| 8 | 63,399 | 2,187 | 1,531 |
| 9 | 65,586 | 2,263 | 1,584 |
| 10 | 67,849 | 2,341 | 1,639 |
| 11 | 70,190 | 2,422 | 1,695 |
| 12 | 72,612 | 2,505 | 1,754 |
| 13 | 75,117 | 2,592 | 1,814 |
| 14 | 77,708 | 2,681 | 1,877 |
| 15 | 80,389 | 2,773 | 1,941 |
| 16 | 83,162 | 2,869 | 2,008 |
| 17 | 86,032 | 2,968 | 2,078 |
| 18 | 89,000 | 3,070 | 2,149 |
| 19 | 92,070 | 3,176 | 2,223 |
| 20 | 95,247 | 3,286 | 2,300 |
| TOTAL | $48,533 | $33,973 |
| Year | Rate 2.55% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,275 | 893 |
| 2 | 51,275 | 1,308 | 915 |
| 3 | 52,583 | 1,341 | 939 |
| 4 | 53,923 | 1,375 | 963 |
| 5 | 55,298 | 1,410 | 987 |
| 6 | 56,709 | 1,446 | 1,012 |
| 7 | 58,155 | 1,483 | 1,038 |
| 8 | 59,638 | 1,521 | 1,065 |
| 9 | 61,158 | 1,560 | 1,092 |
| 10 | 62,718 | 1,599 | 1,120 |
| 11 | 64,317 | 1,640 | 1,148 |
| 12 | 65,957 | 1,682 | 1,177 |
| 13 | 67,639 | 1,725 | 1,207 |
| 14 | 69,364 | 1,769 | 1,238 |
| 15 | 71,133 | 1,814 | 1,270 |
| 16 | 72,947 | 1,860 | 1,302 |
| 17 | 74,807 | 1,908 | 1,335 |
| 18 | 76,714 | 1,956 | 1,369 |
| 19 | 78,671 | 2,006 | 1,404 |
| 20 | 80,677 | 2,057 | 1,440 |
| TOTAL | $32,734 | $22,914 |
| Year | Rate 0.03% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 15 | 11 |
| 2 | 50,015 | 15 | 11 |
| 3 | 50,030 | 15 | 11 |
| 4 | 50,045 | 15 | 11 |
| 5 | 50,060 | 15 | 11 |
| 6 | 50,075 | 15 | 11 |
| 7 | 50,090 | 15 | 11 |
| 8 | 50,105 | 15 | 11 |
| 9 | 50,120 | 15 | 11 |
| 10 | 50,135 | 15 | 11 |
| 11 | 50,150 | 15 | 11 |
| 12 | 50,165 | 15 | 11 |
| 13 | 50,180 | 15 | 11 |
| 14 | 50,195 | 15 | 11 |
| 15 | 50,210 | 15 | 11 |
| 16 | 50,225 | 15 | 11 |
| 17 | 50,241 | 15 | 11 |
| 18 | 50,256 | 15 | 11 |
| 19 | 50,271 | 15 | 11 |
| 20 | 50,286 | 15 | 11 |
| TOTAL | $301 | $211 |
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% |
$1,500 |
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Last change: ↓0.10% on October 13. |
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|
|
4.15% |
$1,000 |
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Last change: ↓0.15% on October 13. |
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|
|
4.15% |
$500 |
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4.10% |
$25,000 |
Learn More | |
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Last change: ↓0.15% on November 26. |
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