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 2.85% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,425 | 998 |
| 2 | 51,425 | 1,466 | 1,026 |
| 3 | 52,891 | 1,507 | 1,055 |
| 4 | 54,398 | 1,550 | 1,085 |
| 5 | 55,948 | 1,595 | 1,116 |
| 6 | 57,543 | 1,640 | 1,148 |
| 7 | 59,183 | 1,687 | 1,181 |
| 8 | 60,870 | 1,735 | 1,214 |
| 9 | 62,604 | 1,784 | 1,249 |
| 10 | 64,389 | 1,835 | 1,285 |
| 11 | 66,224 | 1,887 | 1,321 |
| 12 | 68,111 | 1,941 | 1,359 |
| 13 | 70,052 | 1,996 | 1,398 |
| 14 | 72,049 | 2,053 | 1,437 |
| 15 | 74,102 | 2,112 | 1,478 |
| 16 | 76,214 | 2,172 | 1,520 |
| 17 | 78,386 | 2,234 | 1,564 |
| 18 | 80,620 | 2,298 | 1,608 |
| 19 | 82,918 | 2,363 | 1,654 |
| 20 | 85,281 | 2,431 | 1,701 |
| TOTAL | $37,711 | $26,398 |
| Year | Rate 0.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 375 | 263 |
| 2 | 50,375 | 378 | 264 |
| 3 | 50,753 | 381 | 266 |
| 4 | 51,133 | 384 | 268 |
| 5 | 51,517 | 386 | 270 |
| 6 | 51,903 | 389 | 272 |
| 7 | 52,293 | 392 | 275 |
| 8 | 52,685 | 395 | 277 |
| 9 | 53,080 | 398 | 279 |
| 10 | 53,478 | 401 | 281 |
| 11 | 53,879 | 404 | 283 |
| 12 | 54,283 | 407 | 285 |
| 13 | 54,690 | 410 | 287 |
| 14 | 55,101 | 413 | 289 |
| 15 | 55,514 | 416 | 291 |
| 16 | 55,930 | 419 | 294 |
| 17 | 56,350 | 423 | 296 |
| 18 | 56,772 | 426 | 298 |
| 19 | 57,198 | 429 | 300 |
| 20 | 57,627 | 432 | 303 |
| TOTAL | $8,059 | $5,641 |
| Year | Rate 2.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,125 | 788 |
| 2 | 51,125 | 1,150 | 805 |
| 3 | 52,275 | 1,176 | 823 |
| 4 | 53,452 | 1,203 | 842 |
| 5 | 54,654 | 1,230 | 861 |
| 6 | 55,884 | 1,257 | 880 |
| 7 | 57,141 | 1,286 | 900 |
| 8 | 58,427 | 1,315 | 920 |
| 9 | 59,742 | 1,344 | 941 |
| 10 | 61,086 | 1,374 | 962 |
| 11 | 62,460 | 1,405 | 984 |
| 12 | 63,866 | 1,437 | 1,006 |
| 13 | 65,302 | 1,469 | 1,029 |
| 14 | 66,772 | 1,502 | 1,052 |
| 15 | 68,274 | 1,536 | 1,075 |
| 16 | 69,810 | 1,571 | 1,100 |
| 17 | 71,381 | 1,606 | 1,124 |
| 18 | 72,987 | 1,642 | 1,150 |
| 19 | 74,629 | 1,679 | 1,175 |
| 20 | 76,309 | 1,717 | 1,202 |
| TOTAL | $28,025 | $19,618 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.35% |
$1,000 |
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Last change: ↑2.35% on September 16. |
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|
|
4.34% |
$500 |
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Last change: ↑1.66% on April 4. |
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|
|
4.34% |
$500 |
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Last change: ↑0.66% on February 4. |
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|
|
4.30% |
$50,000 |
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|
Last change: ↓0.15% on September 23. |
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|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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