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 0.10% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 50 | 35 |
| 2 | 50,050 | 50 | 35 |
| 3 | 50,100 | 50 | 35 |
| 4 | 50,150 | 50 | 35 |
| 5 | 50,200 | 50 | 35 |
| 6 | 50,251 | 50 | 35 |
| 7 | 50,301 | 50 | 35 |
| 8 | 50,351 | 50 | 35 |
| 9 | 50,401 | 50 | 35 |
| 10 | 50,452 | 50 | 35 |
| 11 | 50,502 | 51 | 35 |
| 12 | 50,553 | 51 | 35 |
| 13 | 50,603 | 51 | 35 |
| 14 | 50,654 | 51 | 35 |
| 15 | 50,705 | 51 | 35 |
| 16 | 50,755 | 51 | 36 |
| 17 | 50,806 | 51 | 36 |
| 18 | 50,857 | 51 | 36 |
| 19 | 50,908 | 51 | 36 |
| 20 | 50,959 | 51 | 36 |
| TOTAL | $1,010 | $707 |
| Year | Rate 0.70% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 351 | 245 |
| 2 | 50,351 | 353 | 247 |
| 3 | 50,703 | 355 | 249 |
| 4 | 51,059 | 358 | 251 |
| 5 | 51,417 | 360 | 252 |
| 6 | 51,777 | 363 | 254 |
| 7 | 52,140 | 366 | 256 |
| 8 | 52,506 | 368 | 258 |
| 9 | 52,874 | 371 | 259 |
| 10 | 53,244 | 373 | 261 |
| 11 | 53,618 | 376 | 263 |
| 12 | 53,994 | 378 | 265 |
| 13 | 54,372 | 381 | 267 |
| 14 | 54,753 | 384 | 269 |
| 15 | 55,137 | 387 | 271 |
| 16 | 55,523 | 389 | 272 |
| 17 | 55,913 | 392 | 274 |
| 18 | 56,305 | 395 | 276 |
| 19 | 56,699 | 397 | 278 |
| 20 | 57,097 | 400 | 280 |
| TOTAL | $7,497 | $5,248 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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|
|
4.20% |
$50,000 |
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Last change: ↑0.20% on December 7. |
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|
|
4.10% |
$25,000 |
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|
Last change: ↓0.15% on November 26. |
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|
|
4.10% |
$500 |
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|
Last change: ↓0.10% on September 17. |
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|
|
4.10% |
$1,500 |
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|
Last change: ↓0.05% on December 8. |
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