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 3.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,875 | 1,313 |
| 2 | 51,875 | 1,945 | 1,362 |
| 3 | 53,820 | 2,018 | 1,413 |
| 4 | 55,839 | 2,094 | 1,466 |
| 5 | 57,933 | 2,172 | 1,521 |
| 6 | 60,105 | 2,254 | 1,578 |
| 7 | 62,359 | 2,338 | 1,637 |
| 8 | 64,697 | 2,426 | 1,698 |
| 9 | 67,124 | 2,517 | 1,762 |
| 10 | 69,641 | 2,612 | 1,828 |
| 11 | 72,252 | 2,709 | 1,897 |
| 12 | 74,962 | 2,811 | 1,968 |
| 13 | 77,773 | 2,916 | 2,042 |
| 14 | 80,689 | 3,026 | 2,118 |
| 15 | 83,715 | 3,139 | 2,198 |
| 16 | 86,854 | 3,257 | 2,280 |
| 17 | 90,111 | 3,379 | 2,365 |
| 18 | 93,491 | 3,506 | 2,454 |
| 19 | 96,996 | 3,637 | 2,546 |
| 20 | 100,634 | 3,774 | 2,642 |
| TOTAL | $54,408 | $38,085 |
| Year | Rate 1.31% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 655 | 459 |
| 2 | 50,655 | 664 | 465 |
| 3 | 51,319 | 672 | 471 |
| 4 | 51,991 | 681 | 477 |
| 5 | 52,672 | 690 | 483 |
| 6 | 53,362 | 699 | 489 |
| 7 | 54,061 | 708 | 496 |
| 8 | 54,769 | 717 | 502 |
| 9 | 55,487 | 727 | 509 |
| 10 | 56,214 | 736 | 515 |
| 11 | 56,950 | 746 | 522 |
| 12 | 57,696 | 756 | 529 |
| 13 | 58,452 | 766 | 536 |
| 14 | 59,218 | 776 | 543 |
| 15 | 59,993 | 786 | 550 |
| 16 | 60,779 | 796 | 557 |
| 17 | 61,575 | 807 | 565 |
| 18 | 62,382 | 817 | 572 |
| 19 | 63,199 | 828 | 580 |
| 20 | 64,027 | 839 | 587 |
| TOTAL | $14,866 | $10,406 |
| Year | Rate 3.80% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,900 | 1,330 |
| 2 | 51,900 | 1,972 | 1,381 |
| 3 | 53,872 | 2,047 | 1,433 |
| 4 | 55,919 | 2,125 | 1,487 |
| 5 | 58,044 | 2,206 | 1,544 |
| 6 | 60,250 | 2,289 | 1,603 |
| 7 | 62,539 | 2,376 | 1,664 |
| 8 | 64,916 | 2,467 | 1,727 |
| 9 | 67,383 | 2,561 | 1,792 |
| 10 | 69,943 | 2,658 | 1,860 |
| 11 | 72,601 | 2,759 | 1,931 |
| 12 | 75,360 | 2,864 | 2,005 |
| 13 | 78,224 | 2,972 | 2,081 |
| 14 | 81,196 | 3,085 | 2,160 |
| 15 | 84,282 | 3,203 | 2,242 |
| 16 | 87,484 | 3,324 | 2,327 |
| 17 | 90,809 | 3,451 | 2,416 |
| 18 | 94,259 | 3,582 | 2,507 |
| 19 | 97,841 | 3,718 | 2,603 |
| 20 | 101,559 | 3,859 | 2,701 |
| TOTAL | $55,419 | $38,793 |
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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