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 2.20% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,100 | 770 |
| 2 | 51,100 | 1,124 | 787 |
| 3 | 52,224 | 1,149 | 804 |
| 4 | 53,373 | 1,174 | 822 |
| 5 | 54,547 | 1,200 | 840 |
| 6 | 55,747 | 1,226 | 859 |
| 7 | 56,974 | 1,253 | 877 |
| 8 | 58,227 | 1,281 | 897 |
| 9 | 59,508 | 1,309 | 916 |
| 10 | 60,817 | 1,338 | 937 |
| 11 | 62,155 | 1,367 | 957 |
| 12 | 63,523 | 1,398 | 978 |
| 13 | 64,920 | 1,428 | 1,000 |
| 14 | 66,349 | 1,460 | 1,022 |
| 15 | 67,808 | 1,492 | 1,044 |
| 16 | 69,300 | 1,525 | 1,067 |
| 17 | 70,825 | 1,558 | 1,091 |
| 18 | 72,383 | 1,592 | 1,115 |
| 19 | 73,975 | 1,627 | 1,139 |
| 20 | 75,603 | 1,663 | 1,164 |
| TOTAL | $27,266 | $19,086 |
| Year | Rate 2.95% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,475 | 1,033 |
| 2 | 51,475 | 1,519 | 1,063 |
| 3 | 52,994 | 1,563 | 1,094 |
| 4 | 54,557 | 1,609 | 1,127 |
| 5 | 56,166 | 1,657 | 1,160 |
| 6 | 57,823 | 1,706 | 1,194 |
| 7 | 59,529 | 1,756 | 1,229 |
| 8 | 61,285 | 1,808 | 1,266 |
| 9 | 63,093 | 1,861 | 1,303 |
| 10 | 64,954 | 1,916 | 1,341 |
| 11 | 66,870 | 1,973 | 1,381 |
| 12 | 68,843 | 2,031 | 1,422 |
| 13 | 70,874 | 2,091 | 1,464 |
| 14 | 72,965 | 2,152 | 1,507 |
| 15 | 75,117 | 2,216 | 1,551 |
| 16 | 77,333 | 2,281 | 1,597 |
| 17 | 79,614 | 2,349 | 1,644 |
| 18 | 81,963 | 2,418 | 1,693 |
| 19 | 84,381 | 2,489 | 1,742 |
| 20 | 86,870 | 2,563 | 1,794 |
| TOTAL | $39,433 | $27,603 |
| 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 0.05% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 25 | 18 |
| 2 | 50,025 | 25 | 18 |
| 3 | 50,050 | 25 | 18 |
| 4 | 50,075 | 25 | 18 |
| 5 | 50,100 | 25 | 18 |
| 6 | 50,125 | 25 | 18 |
| 7 | 50,150 | 25 | 18 |
| 8 | 50,175 | 25 | 18 |
| 9 | 50,200 | 25 | 18 |
| 10 | 50,225 | 25 | 18 |
| 11 | 50,251 | 25 | 18 |
| 12 | 50,276 | 25 | 18 |
| 13 | 50,301 | 25 | 18 |
| 14 | 50,326 | 25 | 18 |
| 15 | 50,351 | 25 | 18 |
| 16 | 50,376 | 25 | 18 |
| 17 | 50,402 | 25 | 18 |
| 18 | 50,427 | 25 | 18 |
| 19 | 50,452 | 25 | 18 |
| 20 | 50,477 | 25 | 18 |
| TOTAL | $502 | $352 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.35% |
$1,000 |
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Last change: ↑2.35% on September 16. |
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|
|
4.34% |
$500 |
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Last change: ↑1.66% on April 4. |
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|
|
4.34% |
$500 |
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Last change: ↑0.66% on February 4. |
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|
|
4.30% |
$50,000 |
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|
Last change: ↓0.15% on September 23. |
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|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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