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 6.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 3,000 | 2,100 |
| 2 | 53,000 | 3,180 | 2,226 |
| 3 | 56,180 | 3,371 | 2,360 |
| 4 | 59,551 | 3,573 | 2,501 |
| 5 | 63,124 | 3,787 | 2,651 |
| 6 | 66,911 | 4,015 | 2,810 |
| 7 | 70,926 | 4,256 | 2,979 |
| 8 | 75,182 | 4,511 | 3,158 |
| 9 | 79,692 | 4,782 | 3,347 |
| 10 | 84,474 | 5,068 | 3,548 |
| 11 | 89,542 | 5,373 | 3,761 |
| 12 | 94,915 | 5,695 | 3,986 |
| 13 | 100,610 | 6,037 | 4,226 |
| 14 | 106,646 | 6,399 | 4,479 |
| 15 | 113,045 | 6,783 | 4,748 |
| 16 | 119,828 | 7,190 | 5,033 |
| 17 | 127,018 | 7,621 | 5,335 |
| 18 | 134,639 | 8,078 | 5,655 |
| 19 | 142,717 | 8,563 | 5,994 |
| 20 | 151,280 | 9,077 | 6,354 |
| TOTAL | $110,357 | $77,250 |
| Year | Rate 3.77% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,885 | 1,320 |
| 2 | 51,885 | 1,956 | 1,369 |
| 3 | 53,841 | 2,030 | 1,421 |
| 4 | 55,871 | 2,106 | 1,474 |
| 5 | 57,977 | 2,186 | 1,530 |
| 6 | 60,163 | 2,268 | 1,588 |
| 7 | 62,431 | 2,354 | 1,648 |
| 8 | 64,785 | 2,442 | 1,710 |
| 9 | 67,227 | 2,534 | 1,774 |
| 10 | 69,762 | 2,630 | 1,841 |
| 11 | 72,392 | 2,729 | 1,910 |
| 12 | 75,121 | 2,832 | 1,982 |
| 13 | 77,953 | 2,939 | 2,057 |
| 14 | 80,892 | 3,050 | 2,135 |
| 15 | 83,941 | 3,165 | 2,215 |
| 16 | 87,106 | 3,284 | 2,299 |
| 17 | 90,390 | 3,408 | 2,385 |
| 18 | 93,797 | 3,536 | 2,475 |
| 19 | 97,334 | 3,669 | 2,569 |
| 20 | 101,003 | 3,808 | 2,665 |
| TOTAL | $54,811 | $38,368 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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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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|
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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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