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 0.92% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 460 | 322 |
| 2 | 50,460 | 464 | 325 |
| 3 | 50,924 | 469 | 328 |
| 4 | 51,393 | 473 | 331 |
| 5 | 51,866 | 477 | 334 |
| 6 | 52,343 | 482 | 337 |
| 7 | 52,824 | 486 | 340 |
| 8 | 53,310 | 490 | 343 |
| 9 | 53,801 | 495 | 346 |
| 10 | 54,296 | 500 | 350 |
| 11 | 54,795 | 504 | 353 |
| 12 | 55,299 | 509 | 356 |
| 13 | 55,808 | 513 | 359 |
| 14 | 56,321 | 518 | 363 |
| 15 | 56,840 | 523 | 366 |
| 16 | 57,363 | 528 | 369 |
| 17 | 57,890 | 533 | 373 |
| 18 | 58,423 | 537 | 376 |
| 19 | 58,960 | 542 | 380 |
| 20 | 59,503 | 547 | 383 |
| TOTAL | $10,050 | $7,035 |
| Year | Rate 0.04% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 20 | 14 |
| 2 | 50,020 | 20 | 14 |
| 3 | 50,040 | 20 | 14 |
| 4 | 50,060 | 20 | 14 |
| 5 | 50,080 | 20 | 14 |
| 6 | 50,100 | 20 | 14 |
| 7 | 50,120 | 20 | 14 |
| 8 | 50,140 | 20 | 14 |
| 9 | 50,160 | 20 | 14 |
| 10 | 50,180 | 20 | 14 |
| 11 | 50,200 | 20 | 14 |
| 12 | 50,220 | 20 | 14 |
| 13 | 50,241 | 20 | 14 |
| 14 | 50,261 | 20 | 14 |
| 15 | 50,281 | 20 | 14 |
| 16 | 50,301 | 20 | 14 |
| 17 | 50,321 | 20 | 14 |
| 18 | 50,341 | 20 | 14 |
| 19 | 50,361 | 20 | 14 |
| 20 | 50,381 | 20 | 14 |
| TOTAL | $402 | $281 |
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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|
|
4.20% |
$1,000 |
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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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