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 3.29% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,645 | 1,152 |
| 2 | 51,645 | 1,699 | 1,189 |
| 3 | 53,344 | 1,755 | 1,229 |
| 4 | 55,099 | 1,813 | 1,269 |
| 5 | 56,912 | 1,872 | 1,311 |
| 6 | 58,784 | 1,934 | 1,354 |
| 7 | 60,718 | 1,998 | 1,398 |
| 8 | 62,716 | 2,063 | 1,444 |
| 9 | 64,779 | 2,131 | 1,492 |
| 10 | 66,911 | 2,201 | 1,541 |
| 11 | 69,112 | 2,274 | 1,592 |
| 12 | 71,386 | 2,349 | 1,644 |
| 13 | 73,734 | 2,426 | 1,698 |
| 14 | 76,160 | 2,506 | 1,754 |
| 15 | 78,666 | 2,588 | 1,812 |
| 16 | 81,254 | 2,673 | 1,871 |
| 17 | 83,927 | 2,761 | 1,933 |
| 18 | 86,688 | 2,852 | 1,996 |
| 19 | 89,540 | 2,946 | 2,062 |
| 20 | 92,486 | 3,043 | 2,130 |
| TOTAL | $45,529 | $31,870 |
| Year | Rate 0.65% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 325 | 228 |
| 2 | 50,325 | 327 | 229 |
| 3 | 50,652 | 329 | 230 |
| 4 | 50,981 | 331 | 232 |
| 5 | 51,313 | 334 | 233 |
| 6 | 51,646 | 336 | 235 |
| 7 | 51,982 | 338 | 237 |
| 8 | 52,320 | 340 | 238 |
| 9 | 52,660 | 342 | 240 |
| 10 | 53,002 | 345 | 241 |
| 11 | 53,347 | 347 | 243 |
| 12 | 53,693 | 349 | 244 |
| 13 | 54,042 | 351 | 246 |
| 14 | 54,394 | 354 | 247 |
| 15 | 54,747 | 356 | 249 |
| 16 | 55,103 | 358 | 251 |
| 17 | 55,461 | 360 | 252 |
| 18 | 55,822 | 363 | 254 |
| 19 | 56,185 | 365 | 256 |
| 20 | 56,550 | 368 | 257 |
| TOTAL | $6,917 | $4,842 |
| Year | Rate 4.85% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,425 | 1,698 |
| 2 | 52,425 | 2,543 | 1,780 |
| 3 | 54,968 | 2,666 | 1,866 |
| 4 | 57,634 | 2,795 | 1,957 |
| 5 | 60,429 | 2,931 | 2,052 |
| 6 | 63,360 | 3,073 | 2,151 |
| 7 | 66,433 | 3,222 | 2,255 |
| 8 | 69,654 | 3,378 | 2,365 |
| 9 | 73,033 | 3,542 | 2,479 |
| 10 | 76,575 | 3,714 | 2,600 |
| 11 | 80,289 | 3,894 | 2,726 |
| 12 | 84,183 | 4,083 | 2,858 |
| 13 | 88,266 | 4,281 | 2,997 |
| 14 | 92,546 | 4,489 | 3,142 |
| 15 | 97,035 | 4,706 | 3,294 |
| 16 | 101,741 | 4,934 | 3,454 |
| 17 | 106,676 | 5,174 | 3,622 |
| 18 | 111,849 | 5,425 | 3,797 |
| 19 | 117,274 | 5,688 | 3,981 |
| 20 | 122,962 | 5,964 | 4,175 |
| TOTAL | $78,925 | $55,248 |
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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