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 2.51% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,255 | 879 |
| 2 | 51,255 | 1,287 | 901 |
| 3 | 52,542 | 1,319 | 923 |
| 4 | 53,860 | 1,352 | 946 |
| 5 | 55,212 | 1,386 | 970 |
| 6 | 56,598 | 1,421 | 994 |
| 7 | 58,019 | 1,456 | 1,019 |
| 8 | 59,475 | 1,493 | 1,045 |
| 9 | 60,968 | 1,530 | 1,071 |
| 10 | 62,498 | 1,569 | 1,098 |
| 11 | 64,067 | 1,608 | 1,126 |
| 12 | 65,675 | 1,648 | 1,154 |
| 13 | 67,323 | 1,690 | 1,183 |
| 14 | 69,013 | 1,732 | 1,213 |
| 15 | 70,745 | 1,776 | 1,243 |
| 16 | 72,521 | 1,820 | 1,274 |
| 17 | 74,341 | 1,866 | 1,306 |
| 18 | 76,207 | 1,913 | 1,339 |
| 19 | 78,120 | 1,961 | 1,373 |
| 20 | 80,081 | 2,010 | 1,407 |
| TOTAL | $32,091 | $22,464 |
| Year | Rate 4.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,375 | 1,663 |
| 2 | 52,375 | 2,488 | 1,741 |
| 3 | 54,863 | 2,606 | 1,824 |
| 4 | 57,469 | 2,730 | 1,911 |
| 5 | 60,199 | 2,859 | 2,002 |
| 6 | 63,058 | 2,995 | 2,097 |
| 7 | 66,053 | 3,138 | 2,196 |
| 8 | 69,191 | 3,287 | 2,301 |
| 9 | 72,477 | 3,443 | 2,410 |
| 10 | 75,920 | 3,606 | 2,524 |
| 11 | 79,526 | 3,777 | 2,644 |
| 12 | 83,304 | 3,957 | 2,770 |
| 13 | 87,261 | 4,145 | 2,901 |
| 14 | 91,406 | 4,342 | 3,039 |
| 15 | 95,747 | 4,548 | 3,184 |
| 16 | 100,295 | 4,764 | 3,335 |
| 17 | 105,059 | 4,990 | 3,493 |
| 18 | 110,050 | 5,227 | 3,659 |
| 19 | 115,277 | 5,476 | 3,833 |
| 20 | 120,753 | 5,736 | 4,015 |
| TOTAL | $76,488 | $53,542 |
| Year | Rate 3.20% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,600 | 1,120 |
| 2 | 51,600 | 1,651 | 1,156 |
| 3 | 53,251 | 1,704 | 1,193 |
| 4 | 54,955 | 1,759 | 1,231 |
| 5 | 56,714 | 1,815 | 1,270 |
| 6 | 58,529 | 1,873 | 1,311 |
| 7 | 60,402 | 1,933 | 1,353 |
| 8 | 62,334 | 1,995 | 1,396 |
| 9 | 64,329 | 2,059 | 1,441 |
| 10 | 66,388 | 2,124 | 1,487 |
| 11 | 68,512 | 2,192 | 1,535 |
| 12 | 70,704 | 2,263 | 1,584 |
| 13 | 72,967 | 2,335 | 1,634 |
| 14 | 75,302 | 2,410 | 1,687 |
| 15 | 77,712 | 2,487 | 1,741 |
| 16 | 80,198 | 2,566 | 1,796 |
| 17 | 82,765 | 2,648 | 1,854 |
| 18 | 85,413 | 2,733 | 1,913 |
| 19 | 88,146 | 2,821 | 1,974 |
| 20 | 90,967 | 2,911 | 2,038 |
| TOTAL | $43,878 | $30,715 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.20% |
$50,000 |
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Last change: ↑0.20% on December 7. |
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|
|
4.15% |
$500 |
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Last change: ↑0.15% on December 22. |
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|
|
4.10% |
$1,000 |
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|
|
4.10% |
$2,500 |
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Last change: ↑0.20% on December 7. |
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4.10% |
$0 |
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Last change: ↑0.10% on November 3. |
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