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 3.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,625 | 1,138 |
| 2 | 51,625 | 1,678 | 1,174 |
| 3 | 53,303 | 1,732 | 1,213 |
| 4 | 55,035 | 1,789 | 1,252 |
| 5 | 56,824 | 1,847 | 1,293 |
| 6 | 58,671 | 1,907 | 1,335 |
| 7 | 60,577 | 1,969 | 1,378 |
| 8 | 62,546 | 2,033 | 1,423 |
| 9 | 64,579 | 2,099 | 1,469 |
| 10 | 66,678 | 2,167 | 1,517 |
| 11 | 68,845 | 2,237 | 1,566 |
| 12 | 71,082 | 2,310 | 1,617 |
| 13 | 73,392 | 2,385 | 1,670 |
| 14 | 75,778 | 2,463 | 1,724 |
| 15 | 78,240 | 2,543 | 1,780 |
| 16 | 80,783 | 2,625 | 1,838 |
| 17 | 83,409 | 2,711 | 1,898 |
| 18 | 86,119 | 2,799 | 1,959 |
| 19 | 88,918 | 2,890 | 2,023 |
| 20 | 91,808 | 2,984 | 2,089 |
| TOTAL | $44,792 | $31,354 |
| Year | Rate 4.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,000 | 1,400 |
| 2 | 52,000 | 2,080 | 1,456 |
| 3 | 54,080 | 2,163 | 1,514 |
| 4 | 56,243 | 2,250 | 1,575 |
| 5 | 58,493 | 2,340 | 1,638 |
| 6 | 60,833 | 2,433 | 1,703 |
| 7 | 63,266 | 2,531 | 1,771 |
| 8 | 65,797 | 2,632 | 1,842 |
| 9 | 68,428 | 2,737 | 1,916 |
| 10 | 71,166 | 2,847 | 1,993 |
| 11 | 74,012 | 2,960 | 2,072 |
| 12 | 76,973 | 3,079 | 2,155 |
| 13 | 80,052 | 3,202 | 2,241 |
| 14 | 83,254 | 3,330 | 2,331 |
| 15 | 86,584 | 3,463 | 2,424 |
| 16 | 90,047 | 3,602 | 2,521 |
| 17 | 93,649 | 3,746 | 2,622 |
| 18 | 97,395 | 3,896 | 2,727 |
| 19 | 101,291 | 4,052 | 2,836 |
| 20 | 105,342 | 4,214 | 2,950 |
| TOTAL | $59,556 | $41,689 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
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4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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4.20% |
$1,000 |
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Last change: ↑0.05% on December 1. |
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4.15% |
$1,500 |
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Last change: ↓0.05% on December 1. |
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4.15% |
$1,000 |
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Last change: ↑0.10% on December 1. |
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4.10% |
$25,000 |
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Last change: ↓0.15% on November 26. |
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