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 1.30% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 650 | 455 |
| 2 | 50,650 | 658 | 461 |
| 3 | 51,308 | 667 | 467 |
| 4 | 51,975 | 676 | 473 |
| 5 | 52,651 | 684 | 479 |
| 6 | 53,336 | 693 | 485 |
| 7 | 54,029 | 702 | 492 |
| 8 | 54,731 | 712 | 498 |
| 9 | 55,443 | 721 | 505 |
| 10 | 56,164 | 730 | 511 |
| 11 | 56,894 | 740 | 518 |
| 12 | 57,633 | 749 | 524 |
| 13 | 58,383 | 759 | 531 |
| 14 | 59,142 | 769 | 538 |
| 15 | 59,910 | 779 | 545 |
| 16 | 60,689 | 789 | 552 |
| 17 | 61,478 | 799 | 559 |
| 18 | 62,277 | 810 | 567 |
| 19 | 63,087 | 820 | 574 |
| 20 | 63,907 | 831 | 582 |
| TOTAL | $14,738 | $10,317 |
| Year | Rate 1.40% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 700 | 490 |
| 2 | 50,700 | 710 | 497 |
| 3 | 51,410 | 720 | 504 |
| 4 | 52,130 | 730 | 511 |
| 5 | 52,859 | 740 | 518 |
| 6 | 53,599 | 750 | 525 |
| 7 | 54,350 | 761 | 533 |
| 8 | 55,111 | 772 | 540 |
| 9 | 55,882 | 782 | 548 |
| 10 | 56,665 | 793 | 555 |
| 11 | 57,458 | 804 | 563 |
| 12 | 58,262 | 816 | 571 |
| 13 | 59,078 | 827 | 579 |
| 14 | 59,905 | 839 | 587 |
| 15 | 60,744 | 850 | 595 |
| 16 | 61,594 | 862 | 604 |
| 17 | 62,456 | 874 | 612 |
| 18 | 63,331 | 887 | 621 |
| 19 | 64,217 | 899 | 629 |
| 20 | 65,117 | 912 | 638 |
| TOTAL | $16,028 | $11,220 |
| Year | Rate 4.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,125 | 1,488 |
| 2 | 52,125 | 2,215 | 1,551 |
| 3 | 54,340 | 2,309 | 1,617 |
| 4 | 56,650 | 2,408 | 1,685 |
| 5 | 59,057 | 2,510 | 1,757 |
| 6 | 61,567 | 2,617 | 1,832 |
| 7 | 64,184 | 2,728 | 1,909 |
| 8 | 66,912 | 2,844 | 1,991 |
| 9 | 69,756 | 2,965 | 2,075 |
| 10 | 72,720 | 3,091 | 2,163 |
| 11 | 75,811 | 3,222 | 2,255 |
| 12 | 79,033 | 3,359 | 2,351 |
| 13 | 82,392 | 3,502 | 2,451 |
| 14 | 85,893 | 3,650 | 2,555 |
| 15 | 89,544 | 3,806 | 2,664 |
| 16 | 93,349 | 3,967 | 2,777 |
| 17 | 97,317 | 4,136 | 2,895 |
| 18 | 101,453 | 4,312 | 3,018 |
| 19 | 105,764 | 4,495 | 3,146 |
| 20 | 110,259 | 4,686 | 3,280 |
| TOTAL | $64,945 | $45,462 |
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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|
|
4.45% |
$1,500 |
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|
Last change: ↑0.10% on July 13. |
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|
|
4.45% |
$50,000 |
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|
Last change: ↓0.05% on August 2. |
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|
|
4.45% |
$50,000 |
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Last change: ↓0.05% on April 30. |
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