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 3.95% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,975 | 1,383 |
| 2 | 51,975 | 2,053 | 1,437 |
| 3 | 54,028 | 2,134 | 1,494 |
| 4 | 56,162 | 2,218 | 1,553 |
| 5 | 58,381 | 2,306 | 1,614 |
| 6 | 60,687 | 2,397 | 1,678 |
| 7 | 63,084 | 2,492 | 1,744 |
| 8 | 65,575 | 2,590 | 1,813 |
| 9 | 68,166 | 2,693 | 1,885 |
| 10 | 70,858 | 2,799 | 1,959 |
| 11 | 73,657 | 2,909 | 2,037 |
| 12 | 76,567 | 3,024 | 2,117 |
| 13 | 79,591 | 3,144 | 2,201 |
| 14 | 82,735 | 3,268 | 2,288 |
| 15 | 86,003 | 3,397 | 2,378 |
| 16 | 89,400 | 3,531 | 2,472 |
| 17 | 92,931 | 3,671 | 2,570 |
| 18 | 96,602 | 3,816 | 2,671 |
| 19 | 100,418 | 3,967 | 2,777 |
| 20 | 104,384 | 4,123 | 2,886 |
| TOTAL | $58,508 | $40,955 |
| Year | Rate 5.01% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,505 | 1,754 |
| 2 | 52,505 | 2,631 | 1,841 |
| 3 | 55,136 | 2,762 | 1,934 |
| 4 | 57,898 | 2,901 | 2,030 |
| 5 | 60,798 | 3,046 | 2,132 |
| 6 | 63,844 | 3,199 | 2,239 |
| 7 | 67,043 | 3,359 | 2,351 |
| 8 | 70,402 | 3,527 | 2,469 |
| 9 | 73,929 | 3,704 | 2,593 |
| 10 | 77,633 | 3,889 | 2,723 |
| 11 | 81,522 | 4,084 | 2,859 |
| 12 | 85,607 | 4,289 | 3,002 |
| 13 | 89,895 | 4,504 | 3,153 |
| 14 | 94,399 | 4,729 | 3,311 |
| 15 | 99,129 | 4,966 | 3,476 |
| 16 | 104,095 | 5,215 | 3,651 |
| 17 | 109,310 | 5,476 | 3,834 |
| 18 | 114,787 | 5,751 | 4,026 |
| 19 | 120,537 | 6,039 | 4,227 |
| 20 | 126,576 | 6,341 | 4,439 |
| TOTAL | $82,918 | $58,042 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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|
4.20% |
$50,000 |
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Last change: ↑0.20% on December 7, 2025. |
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4.15% |
$500 |
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Last change: ↑0.15% on December 22, 2025. |
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|
|
4.10% |
$1,000 |
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4.10% |
$2,500 |
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Last change: ↑0.20% on December 7, 2025. |
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4.10% |
$0 |
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Last change: ↑0.10% on November 3, 2025. |
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