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 4.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,125 | 1,488 |
| 2 | 52,125 | 2,215 | 1,551 |
| 3 | 54,340 | 2,309 | 1,617 |
| 4 | 56,650 | 2,408 | 1,685 |
| 5 | 59,057 | 2,510 | 1,757 |
| 6 | 61,567 | 2,617 | 1,832 |
| 7 | 64,184 | 2,728 | 1,909 |
| 8 | 66,912 | 2,844 | 1,991 |
| 9 | 69,756 | 2,965 | 2,075 |
| 10 | 72,720 | 3,091 | 2,163 |
| 11 | 75,811 | 3,222 | 2,255 |
| 12 | 79,033 | 3,359 | 2,351 |
| 13 | 82,392 | 3,502 | 2,451 |
| 14 | 85,893 | 3,650 | 2,555 |
| 15 | 89,544 | 3,806 | 2,664 |
| 16 | 93,349 | 3,967 | 2,777 |
| 17 | 97,317 | 4,136 | 2,895 |
| 18 | 101,453 | 4,312 | 3,018 |
| 19 | 105,764 | 4,495 | 3,146 |
| 20 | 110,259 | 4,686 | 3,280 |
| TOTAL | $64,945 | $45,462 |
| Year | Rate 3.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,625 | 1,138 |
| 2 | 51,625 | 1,678 | 1,174 |
| 3 | 53,303 | 1,732 | 1,213 |
| 4 | 55,035 | 1,789 | 1,252 |
| 5 | 56,824 | 1,847 | 1,293 |
| 6 | 58,671 | 1,907 | 1,335 |
| 7 | 60,577 | 1,969 | 1,378 |
| 8 | 62,546 | 2,033 | 1,423 |
| 9 | 64,579 | 2,099 | 1,469 |
| 10 | 66,678 | 2,167 | 1,517 |
| 11 | 68,845 | 2,237 | 1,566 |
| 12 | 71,082 | 2,310 | 1,617 |
| 13 | 73,392 | 2,385 | 1,670 |
| 14 | 75,778 | 2,463 | 1,724 |
| 15 | 78,240 | 2,543 | 1,780 |
| 16 | 80,783 | 2,625 | 1,838 |
| 17 | 83,409 | 2,711 | 1,898 |
| 18 | 86,119 | 2,799 | 1,959 |
| 19 | 88,918 | 2,890 | 2,023 |
| 20 | 91,808 | 2,984 | 2,089 |
| TOTAL | $44,792 | $31,354 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
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4.55% |
$1,000 |
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Last change: ↓0.50% on October 1, 2024. |
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|
|
4.50% |
$500 |
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Last change: ↑0.20% on January 18. |
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4.50% |
$50,000 |
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Last change: ↓0.05% on April 30. |
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|
4.50% |
$50,000 |
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Last change: ↑0.20% on April 9. |
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|
4.50% |
$500 |
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Last change: ↓0.50% on February 25. |
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