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 3.65% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,825 | 1,278 |
| 2 | 51,825 | 1,892 | 1,324 |
| 3 | 53,717 | 1,961 | 1,372 |
| 4 | 55,677 | 2,032 | 1,423 |
| 5 | 57,709 | 2,106 | 1,474 |
| 6 | 59,816 | 2,183 | 1,528 |
| 7 | 61,999 | 2,263 | 1,584 |
| 8 | 64,262 | 2,346 | 1,642 |
| 9 | 66,608 | 2,431 | 1,702 |
| 10 | 69,039 | 2,520 | 1,764 |
| 11 | 71,559 | 2,612 | 1,828 |
| 12 | 74,171 | 2,707 | 1,895 |
| 13 | 76,878 | 2,806 | 1,964 |
| 14 | 79,684 | 2,908 | 2,036 |
| 15 | 82,592 | 3,015 | 2,110 |
| 16 | 85,607 | 3,125 | 2,187 |
| 17 | 88,732 | 3,239 | 2,267 |
| 18 | 91,970 | 3,357 | 2,350 |
| 19 | 95,327 | 3,479 | 2,436 |
| 20 | 98,807 | 3,606 | 2,525 |
| TOTAL | $52,413 | $36,689 |
| Year | Rate 3.15% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,575 | 1,103 |
| 2 | 51,575 | 1,625 | 1,137 |
| 3 | 53,200 | 1,676 | 1,173 |
| 4 | 54,875 | 1,729 | 1,210 |
| 5 | 56,604 | 1,783 | 1,248 |
| 6 | 58,387 | 1,839 | 1,287 |
| 7 | 60,226 | 1,897 | 1,328 |
| 8 | 62,123 | 1,957 | 1,370 |
| 9 | 64,080 | 2,019 | 1,413 |
| 10 | 66,099 | 2,082 | 1,457 |
| 11 | 68,181 | 2,148 | 1,503 |
| 12 | 70,329 | 2,215 | 1,551 |
| 13 | 72,544 | 2,285 | 1,600 |
| 14 | 74,829 | 2,357 | 1,650 |
| 15 | 77,186 | 2,431 | 1,702 |
| 16 | 79,617 | 2,508 | 1,756 |
| 17 | 82,125 | 2,587 | 1,811 |
| 18 | 84,712 | 2,668 | 1,868 |
| 19 | 87,381 | 2,752 | 1,927 |
| 20 | 90,133 | 2,839 | 1,987 |
| TOTAL | $42,973 | $30,081 |
| 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 3.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,500 | 1,050 |
| 2 | 51,500 | 1,545 | 1,082 |
| 3 | 53,045 | 1,591 | 1,114 |
| 4 | 54,636 | 1,639 | 1,147 |
| 5 | 56,275 | 1,688 | 1,182 |
| 6 | 57,964 | 1,739 | 1,217 |
| 7 | 59,703 | 1,791 | 1,254 |
| 8 | 61,494 | 1,845 | 1,291 |
| 9 | 63,339 | 1,900 | 1,330 |
| 10 | 65,239 | 1,957 | 1,370 |
| 11 | 67,196 | 2,016 | 1,411 |
| 12 | 69,212 | 2,076 | 1,453 |
| 13 | 71,288 | 2,139 | 1,497 |
| 14 | 73,427 | 2,203 | 1,542 |
| 15 | 75,629 | 2,269 | 1,588 |
| 16 | 77,898 | 2,337 | 1,636 |
| 17 | 80,235 | 2,407 | 1,685 |
| 18 | 82,642 | 2,479 | 1,735 |
| 19 | 85,122 | 2,554 | 1,788 |
| 20 | 87,675 | 2,630 | 1,841 |
| TOTAL | $40,306 | $28,214 |
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% |
$1,500 |
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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 |
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Last change: ↓0.15% on November 26. |
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