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 3.85% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,925 | 1,348 |
| 2 | 51,925 | 1,999 | 1,399 |
| 3 | 53,924 | 2,076 | 1,453 |
| 4 | 56,000 | 2,156 | 1,509 |
| 5 | 58,156 | 2,239 | 1,567 |
| 6 | 60,395 | 2,325 | 1,628 |
| 7 | 62,720 | 2,415 | 1,690 |
| 8 | 65,135 | 2,508 | 1,755 |
| 9 | 67,643 | 2,604 | 1,823 |
| 10 | 70,247 | 2,705 | 1,893 |
| 11 | 72,952 | 2,809 | 1,966 |
| 12 | 75,760 | 2,917 | 2,042 |
| 13 | 78,677 | 3,029 | 2,120 |
| 14 | 81,706 | 3,146 | 2,202 |
| 15 | 84,852 | 3,267 | 2,287 |
| 16 | 88,119 | 3,393 | 2,375 |
| 17 | 91,511 | 3,523 | 2,466 |
| 18 | 95,034 | 3,659 | 2,561 |
| 19 | 98,693 | 3,800 | 2,660 |
| 20 | 102,493 | 3,946 | 2,762 |
| TOTAL | $56,439 | $39,507 |
| Year | Rate 4.30% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,150 | 1,505 |
| 2 | 52,150 | 2,242 | 1,570 |
| 3 | 54,392 | 2,339 | 1,637 |
| 4 | 56,731 | 2,439 | 1,708 |
| 5 | 59,171 | 2,544 | 1,781 |
| 6 | 61,715 | 2,654 | 1,858 |
| 7 | 64,369 | 2,768 | 1,938 |
| 8 | 67,137 | 2,887 | 2,021 |
| 9 | 70,024 | 3,011 | 2,108 |
| 10 | 73,035 | 3,140 | 2,198 |
| 11 | 76,175 | 3,276 | 2,293 |
| 12 | 79,451 | 3,416 | 2,391 |
| 13 | 82,867 | 3,563 | 2,494 |
| 14 | 86,430 | 3,717 | 2,602 |
| 15 | 90,147 | 3,876 | 2,713 |
| 16 | 94,023 | 4,043 | 2,830 |
| 17 | 98,066 | 4,217 | 2,952 |
| 18 | 102,283 | 4,398 | 3,079 |
| 19 | 106,681 | 4,587 | 3,211 |
| 20 | 111,268 | 4,785 | 3,349 |
| TOTAL | $66,053 | $46,237 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.55% |
$1,000 |
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Last change: ↓0.50% on October 1, 2024. |
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|
|
4.50% |
$500 |
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Last change: ↑0.20% on January 18. |
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|
|
4.50% |
$50,000 |
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Last change: ↑0.20% on April 9. |
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|
|
4.46% |
$50,000 |
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|
Last change: ↑0.26% on April 9. |
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|
|
4.45% |
$1,500 |
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Last change: ↑0.10% on July 13. |
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