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 3.00% |
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 |
| Year | Rate 3.50% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,750 | 1,225 |
| 2 | 51,750 | 1,811 | 1,268 |
| 3 | 53,561 | 1,875 | 1,312 |
| 4 | 55,436 | 1,940 | 1,358 |
| 5 | 57,376 | 2,008 | 1,406 |
| 6 | 59,384 | 2,078 | 1,455 |
| 7 | 61,463 | 2,151 | 1,506 |
| 8 | 63,614 | 2,226 | 1,559 |
| 9 | 65,840 | 2,304 | 1,613 |
| 10 | 68,145 | 2,385 | 1,670 |
| 11 | 70,530 | 2,469 | 1,728 |
| 12 | 72,998 | 2,555 | 1,788 |
| 13 | 75,553 | 2,644 | 1,851 |
| 14 | 78,198 | 2,737 | 1,916 |
| 15 | 80,935 | 2,833 | 1,983 |
| 16 | 83,767 | 2,932 | 2,052 |
| 17 | 86,699 | 3,034 | 2,124 |
| 18 | 89,734 | 3,141 | 2,198 |
| 19 | 92,874 | 3,251 | 2,275 |
| 20 | 96,125 | 3,364 | 2,355 |
| TOTAL | $49,489 | $34,643 |
| Year | Rate 2.50% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,250 | 875 |
| 2 | 51,250 | 1,281 | 897 |
| 3 | 52,531 | 1,313 | 919 |
| 4 | 53,845 | 1,346 | 942 |
| 5 | 55,191 | 1,380 | 966 |
| 6 | 56,570 | 1,414 | 990 |
| 7 | 57,985 | 1,450 | 1,015 |
| 8 | 59,434 | 1,486 | 1,040 |
| 9 | 60,920 | 1,523 | 1,066 |
| 10 | 62,443 | 1,561 | 1,093 |
| 11 | 64,004 | 1,600 | 1,120 |
| 12 | 65,604 | 1,640 | 1,148 |
| 13 | 67,244 | 1,681 | 1,177 |
| 14 | 68,926 | 1,723 | 1,206 |
| 15 | 70,649 | 1,766 | 1,236 |
| 16 | 72,415 | 1,810 | 1,267 |
| 17 | 74,225 | 1,856 | 1,299 |
| 18 | 76,081 | 1,902 | 1,331 |
| 19 | 77,983 | 1,950 | 1,365 |
| 20 | 79,933 | 1,998 | 1,399 |
| TOTAL | $31,931 | $22,352 |
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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