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 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 |
| Year | Rate 0.70% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 350 | 245 |
| 2 | 50,350 | 352 | 247 |
| 3 | 50,702 | 355 | 248 |
| 4 | 51,057 | 357 | 250 |
| 5 | 51,415 | 360 | 252 |
| 6 | 51,775 | 362 | 254 |
| 7 | 52,137 | 365 | 255 |
| 8 | 52,502 | 368 | 257 |
| 9 | 52,870 | 370 | 259 |
| 10 | 53,240 | 373 | 261 |
| 11 | 53,612 | 375 | 263 |
| 12 | 53,988 | 378 | 265 |
| 13 | 54,366 | 381 | 266 |
| 14 | 54,746 | 383 | 268 |
| 15 | 55,129 | 386 | 270 |
| 16 | 55,515 | 389 | 272 |
| 17 | 55,904 | 391 | 274 |
| 18 | 56,295 | 394 | 276 |
| 19 | 56,689 | 397 | 278 |
| 20 | 57,086 | 400 | 280 |
| TOTAL | $7,486 | $5,240 |
| Year | Rate 4.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,375 | 1,663 |
| 2 | 52,375 | 2,488 | 1,741 |
| 3 | 54,863 | 2,606 | 1,824 |
| 4 | 57,469 | 2,730 | 1,911 |
| 5 | 60,199 | 2,859 | 2,002 |
| 6 | 63,058 | 2,995 | 2,097 |
| 7 | 66,053 | 3,138 | 2,196 |
| 8 | 69,191 | 3,287 | 2,301 |
| 9 | 72,477 | 3,443 | 2,410 |
| 10 | 75,920 | 3,606 | 2,524 |
| 11 | 79,526 | 3,777 | 2,644 |
| 12 | 83,304 | 3,957 | 2,770 |
| 13 | 87,261 | 4,145 | 2,901 |
| 14 | 91,406 | 4,342 | 3,039 |
| 15 | 95,747 | 4,548 | 3,184 |
| 16 | 100,295 | 4,764 | 3,335 |
| 17 | 105,059 | 4,990 | 3,493 |
| 18 | 110,050 | 5,227 | 3,659 |
| 19 | 115,277 | 5,476 | 3,833 |
| 20 | 120,753 | 5,736 | 4,015 |
| TOTAL | $76,488 | $53,542 |
| 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 |
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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