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 3.10% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,550 | 1,085 |
| 2 | 51,550 | 1,598 | 1,119 |
| 3 | 53,148 | 1,648 | 1,153 |
| 4 | 54,796 | 1,699 | 1,189 |
| 5 | 56,494 | 1,751 | 1,226 |
| 6 | 58,246 | 1,806 | 1,264 |
| 7 | 60,051 | 1,862 | 1,303 |
| 8 | 61,913 | 1,919 | 1,344 |
| 9 | 63,832 | 1,979 | 1,385 |
| 10 | 65,811 | 2,040 | 1,428 |
| 11 | 67,851 | 2,103 | 1,472 |
| 12 | 69,954 | 2,169 | 1,518 |
| 13 | 72,123 | 2,236 | 1,565 |
| 14 | 74,359 | 2,305 | 1,614 |
| 15 | 76,664 | 2,377 | 1,664 |
| 16 | 79,041 | 2,450 | 1,715 |
| 17 | 81,491 | 2,526 | 1,768 |
| 18 | 84,017 | 2,605 | 1,823 |
| 19 | 86,622 | 2,685 | 1,880 |
| 20 | 89,307 | 2,769 | 1,938 |
| TOTAL | $42,075 | $29,453 |
| Year | Rate 0.99% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 495 | 347 |
| 2 | 50,495 | 500 | 350 |
| 3 | 50,995 | 505 | 353 |
| 4 | 51,500 | 510 | 357 |
| 5 | 52,010 | 515 | 360 |
| 6 | 52,524 | 520 | 364 |
| 7 | 53,044 | 525 | 368 |
| 8 | 53,570 | 530 | 371 |
| 9 | 54,100 | 536 | 375 |
| 10 | 54,636 | 541 | 379 |
| 11 | 55,176 | 546 | 382 |
| 12 | 55,723 | 552 | 386 |
| 13 | 56,274 | 557 | 390 |
| 14 | 56,831 | 563 | 394 |
| 15 | 57,394 | 568 | 398 |
| 16 | 57,962 | 574 | 402 |
| 17 | 58,536 | 580 | 406 |
| 18 | 59,116 | 585 | 410 |
| 19 | 59,701 | 591 | 414 |
| 20 | 60,292 | 597 | 418 |
| TOTAL | $10,889 | $7,622 |
| Year | Rate 3.70% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,850 | 1,295 |
| 2 | 51,850 | 1,918 | 1,343 |
| 3 | 53,768 | 1,989 | 1,393 |
| 4 | 55,758 | 2,063 | 1,444 |
| 5 | 57,821 | 2,139 | 1,498 |
| 6 | 59,960 | 2,219 | 1,553 |
| 7 | 62,179 | 2,301 | 1,610 |
| 8 | 64,479 | 2,386 | 1,670 |
| 9 | 66,865 | 2,474 | 1,732 |
| 10 | 69,339 | 2,566 | 1,796 |
| 11 | 71,905 | 2,660 | 1,862 |
| 12 | 74,565 | 2,759 | 1,931 |
| 13 | 77,324 | 2,861 | 2,003 |
| 14 | 80,185 | 2,967 | 2,077 |
| 15 | 83,152 | 3,077 | 2,154 |
| 16 | 86,229 | 3,190 | 2,233 |
| 17 | 89,419 | 3,309 | 2,316 |
| 18 | 92,728 | 3,431 | 2,402 |
| 19 | 96,158 | 3,558 | 2,491 |
| 20 | 99,716 | 3,690 | 2,583 |
| TOTAL | $53,406 | $37,384 |
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% |
$1,500 |
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Last change: ↓0.10% on October 13. |
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|
|
4.15% |
$1,000 |
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Last change: ↓0.15% on October 13. |
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|
|
4.15% |
$500 |
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|
|
4.10% |
$25,000 |
Learn More | |
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Last change: ↓0.15% on November 26. |
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