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 1.05% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 525 | 368 |
| 2 | 50,525 | 531 | 371 |
| 3 | 51,056 | 536 | 375 |
| 4 | 51,592 | 542 | 379 |
| 5 | 52,133 | 547 | 383 |
| 6 | 52,681 | 553 | 387 |
| 7 | 53,234 | 559 | 391 |
| 8 | 53,793 | 565 | 395 |
| 9 | 54,358 | 571 | 400 |
| 10 | 54,928 | 577 | 404 |
| 11 | 55,505 | 583 | 408 |
| 12 | 56,088 | 589 | 412 |
| 13 | 56,677 | 595 | 417 |
| 14 | 57,272 | 601 | 421 |
| 15 | 57,873 | 608 | 425 |
| 16 | 58,481 | 614 | 430 |
| 17 | 59,095 | 620 | 434 |
| 18 | 59,716 | 627 | 439 |
| 19 | 60,343 | 634 | 444 |
| 20 | 60,976 | 640 | 448 |
| TOTAL | $11,616 | $8,131 |
| Year | Rate 0.60% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 300 | 210 |
| 2 | 50,300 | 302 | 211 |
| 3 | 50,602 | 304 | 213 |
| 4 | 50,905 | 305 | 214 |
| 5 | 51,211 | 307 | 215 |
| 6 | 51,518 | 309 | 216 |
| 7 | 51,827 | 311 | 218 |
| 8 | 52,138 | 313 | 219 |
| 9 | 52,451 | 315 | 220 |
| 10 | 52,766 | 317 | 222 |
| 11 | 53,082 | 318 | 223 |
| 12 | 53,401 | 320 | 224 |
| 13 | 53,721 | 322 | 226 |
| 14 | 54,044 | 324 | 227 |
| 15 | 54,368 | 326 | 228 |
| 16 | 54,694 | 328 | 230 |
| 17 | 55,022 | 330 | 231 |
| 18 | 55,352 | 332 | 232 |
| 19 | 55,684 | 334 | 234 |
| 20 | 56,019 | 336 | 235 |
| TOTAL | $6,355 | $4,448 |
| Year | Rate 0.81% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 405 | 284 |
| 2 | 50,405 | 408 | 286 |
| 3 | 50,813 | 412 | 288 |
| 4 | 51,225 | 415 | 290 |
| 5 | 51,640 | 418 | 293 |
| 6 | 52,058 | 422 | 295 |
| 7 | 52,480 | 425 | 298 |
| 8 | 52,905 | 429 | 300 |
| 9 | 53,333 | 432 | 302 |
| 10 | 53,765 | 435 | 305 |
| 11 | 54,201 | 439 | 307 |
| 12 | 54,640 | 443 | 310 |
| 13 | 55,082 | 446 | 312 |
| 14 | 55,529 | 450 | 315 |
| 15 | 55,978 | 453 | 317 |
| 16 | 56,432 | 457 | 320 |
| 17 | 56,889 | 461 | 323 |
| 18 | 57,350 | 465 | 325 |
| 19 | 57,814 | 468 | 328 |
| 20 | 58,283 | 472 | 330 |
| TOTAL | $8,755 | $6,128 |
| Year | Rate 4.40% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,200 | 1,540 |
| 2 | 52,200 | 2,297 | 1,608 |
| 3 | 54,497 | 2,398 | 1,679 |
| 4 | 56,895 | 2,503 | 1,752 |
| 5 | 59,398 | 2,614 | 1,829 |
| 6 | 62,012 | 2,729 | 1,910 |
| 7 | 64,740 | 2,849 | 1,994 |
| 8 | 67,589 | 2,974 | 2,082 |
| 9 | 70,563 | 3,105 | 2,173 |
| 10 | 73,667 | 3,241 | 2,269 |
| 11 | 76,909 | 3,384 | 2,369 |
| 12 | 80,293 | 3,533 | 2,473 |
| 13 | 83,825 | 3,688 | 2,582 |
| 14 | 87,514 | 3,851 | 2,695 |
| 15 | 91,364 | 4,020 | 2,814 |
| 16 | 95,384 | 4,197 | 2,938 |
| 17 | 99,581 | 4,382 | 3,067 |
| 18 | 103,963 | 4,574 | 3,202 |
| 19 | 108,537 | 4,776 | 3,343 |
| 20 | 113,313 | 4,986 | 3,490 |
| TOTAL | $68,299 | $47,809 |
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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|
|
4.50% |
$50,000 |
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Last change: ↓0.05% on April 30. |
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|
|
4.50% |
$50,000 |
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Last change: ↑0.20% on April 9. |
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|
4.50% |
$500 |
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Last change: ↓0.50% on February 25. |
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