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 1.15% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 575 | 403 |
| 2 | 50,575 | 582 | 407 |
| 3 | 51,157 | 588 | 412 |
| 4 | 51,745 | 595 | 417 |
| 5 | 52,340 | 602 | 421 |
| 6 | 52,942 | 609 | 426 |
| 7 | 53,551 | 616 | 431 |
| 8 | 54,167 | 623 | 436 |
| 9 | 54,789 | 630 | 441 |
| 10 | 55,420 | 637 | 446 |
| 11 | 56,057 | 645 | 451 |
| 12 | 56,702 | 652 | 456 |
| 13 | 57,354 | 660 | 462 |
| 14 | 58,013 | 667 | 467 |
| 15 | 58,680 | 675 | 472 |
| 16 | 59,355 | 683 | 478 |
| 17 | 60,038 | 690 | 483 |
| 18 | 60,728 | 698 | 489 |
| 19 | 61,427 | 706 | 494 |
| 20 | 62,133 | 715 | 500 |
| TOTAL | $12,847 | $8,993 |
| Year | Rate 4.15% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,075 | 1,453 |
| 2 | 52,075 | 2,161 | 1,513 |
| 3 | 54,236 | 2,251 | 1,576 |
| 4 | 56,487 | 2,344 | 1,641 |
| 5 | 58,831 | 2,441 | 1,709 |
| 6 | 61,273 | 2,543 | 1,780 |
| 7 | 63,815 | 2,648 | 1,854 |
| 8 | 66,464 | 2,758 | 1,931 |
| 9 | 69,222 | 2,873 | 2,011 |
| 10 | 72,095 | 2,992 | 2,094 |
| 11 | 75,087 | 3,116 | 2,181 |
| 12 | 78,203 | 3,245 | 2,272 |
| 13 | 81,448 | 3,380 | 2,366 |
| 14 | 84,828 | 3,520 | 2,464 |
| 15 | 88,349 | 3,666 | 2,567 |
| 16 | 92,015 | 3,819 | 2,673 |
| 17 | 95,834 | 3,977 | 2,784 |
| 18 | 99,811 | 4,142 | 2,900 |
| 19 | 103,953 | 4,314 | 3,020 |
| 20 | 108,267 | 4,493 | 3,145 |
| TOTAL | $62,760 | $43,932 |
| 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? | ||
|---|---|---|---|---|
|
|
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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|
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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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