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 4.50% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,250 | 1,575 |
| 2 | 52,250 | 2,351 | 1,646 |
| 3 | 54,601 | 2,457 | 1,720 |
| 4 | 57,058 | 2,568 | 1,797 |
| 5 | 59,626 | 2,683 | 1,878 |
| 6 | 62,309 | 2,804 | 1,963 |
| 7 | 65,113 | 2,930 | 2,051 |
| 8 | 68,043 | 3,062 | 2,143 |
| 9 | 71,105 | 3,200 | 2,240 |
| 10 | 74,305 | 3,344 | 2,341 |
| 11 | 77,648 | 3,494 | 2,446 |
| 12 | 81,143 | 3,651 | 2,556 |
| 13 | 84,794 | 3,816 | 2,671 |
| 14 | 88,610 | 3,987 | 2,791 |
| 15 | 92,597 | 4,167 | 2,917 |
| 16 | 96,764 | 4,354 | 3,048 |
| 17 | 101,119 | 4,550 | 3,185 |
| 18 | 105,669 | 4,755 | 3,329 |
| 19 | 110,424 | 4,969 | 3,478 |
| 20 | 115,393 | 5,193 | 3,635 |
| TOTAL | $70,586 | $49,410 |
| Year | Rate 3.40% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,700 | 1,190 |
| 2 | 51,700 | 1,758 | 1,230 |
| 3 | 53,458 | 1,818 | 1,272 |
| 4 | 55,275 | 1,879 | 1,316 |
| 5 | 57,155 | 1,943 | 1,360 |
| 6 | 59,098 | 2,009 | 1,407 |
| 7 | 61,107 | 2,078 | 1,454 |
| 8 | 63,185 | 2,148 | 1,504 |
| 9 | 65,333 | 2,221 | 1,555 |
| 10 | 67,555 | 2,297 | 1,608 |
| 11 | 69,851 | 2,375 | 1,662 |
| 12 | 72,226 | 2,456 | 1,719 |
| 13 | 74,682 | 2,539 | 1,777 |
| 14 | 77,221 | 2,626 | 1,838 |
| 15 | 79,847 | 2,715 | 1,900 |
| 16 | 82,562 | 2,807 | 1,965 |
| 17 | 85,369 | 2,903 | 2,032 |
| 18 | 88,271 | 3,001 | 2,101 |
| 19 | 91,272 | 3,103 | 2,172 |
| 20 | 94,376 | 3,209 | 2,246 |
| TOTAL | $47,584 | $33,309 |
| Year | Rate 3.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,875 | 1,313 |
| 2 | 51,875 | 1,945 | 1,362 |
| 3 | 53,820 | 2,018 | 1,413 |
| 4 | 55,839 | 2,094 | 1,466 |
| 5 | 57,933 | 2,172 | 1,521 |
| 6 | 60,105 | 2,254 | 1,578 |
| 7 | 62,359 | 2,338 | 1,637 |
| 8 | 64,697 | 2,426 | 1,698 |
| 9 | 67,124 | 2,517 | 1,762 |
| 10 | 69,641 | 2,612 | 1,828 |
| 11 | 72,252 | 2,709 | 1,897 |
| 12 | 74,962 | 2,811 | 1,968 |
| 13 | 77,773 | 2,916 | 2,042 |
| 14 | 80,689 | 3,026 | 2,118 |
| 15 | 83,715 | 3,139 | 2,198 |
| 16 | 86,854 | 3,257 | 2,280 |
| 17 | 90,111 | 3,379 | 2,365 |
| 18 | 93,491 | 3,506 | 2,454 |
| 19 | 96,996 | 3,637 | 2,546 |
| 20 | 100,634 | 3,774 | 2,642 |
| TOTAL | $54,408 | $38,085 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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|
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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|
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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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