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 0.45% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 226 | 158 |
| 2 | 50,226 | 227 | 159 |
| 3 | 50,452 | 228 | 159 |
| 4 | 50,680 | 229 | 160 |
| 5 | 50,908 | 230 | 161 |
| 6 | 51,138 | 231 | 161 |
| 7 | 51,368 | 232 | 162 |
| 8 | 51,600 | 233 | 163 |
| 9 | 51,833 | 234 | 164 |
| 10 | 52,067 | 235 | 164 |
| 11 | 52,301 | 236 | 165 |
| 12 | 52,537 | 237 | 166 |
| 13 | 52,774 | 238 | 167 |
| 14 | 53,012 | 239 | 167 |
| 15 | 53,251 | 240 | 168 |
| 16 | 53,491 | 241 | 169 |
| 17 | 53,733 | 242 | 170 |
| 18 | 53,975 | 243 | 170 |
| 19 | 54,218 | 245 | 171 |
| 20 | 54,463 | 246 | 172 |
| TOTAL | $4,709 | $3,296 |
| Year | Rate 0.65% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 326 | 228 |
| 2 | 50,326 | 328 | 230 |
| 3 | 50,654 | 330 | 231 |
| 4 | 50,984 | 332 | 233 |
| 5 | 51,317 | 335 | 234 |
| 6 | 51,651 | 337 | 236 |
| 7 | 51,988 | 339 | 237 |
| 8 | 52,327 | 341 | 239 |
| 9 | 52,668 | 343 | 240 |
| 10 | 53,012 | 346 | 242 |
| 11 | 53,357 | 348 | 244 |
| 12 | 53,705 | 350 | 245 |
| 13 | 54,055 | 352 | 247 |
| 14 | 54,408 | 355 | 248 |
| 15 | 54,763 | 357 | 250 |
| 16 | 55,120 | 359 | 252 |
| 17 | 55,479 | 362 | 253 |
| 18 | 55,841 | 364 | 255 |
| 19 | 56,205 | 366 | 257 |
| 20 | 56,571 | 369 | 258 |
| TOTAL | $6,940 | $4,858 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.20% |
$50,000 |
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Last change: ↑0.20% on December 7. |
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|
|
4.15% |
$500 |
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Last change: ↑0.15% on December 22. |
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|
|
4.10% |
$1,000 |
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|
|
4.10% |
$2,500 |
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|
Last change: ↑0.20% on December 7. |
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|
|
4.10% |
$0 |
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Last change: ↑0.10% on November 3. |
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