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 4.85% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,425 | 1,698 |
| 2 | 52,425 | 2,543 | 1,780 |
| 3 | 54,968 | 2,666 | 1,866 |
| 4 | 57,634 | 2,795 | 1,957 |
| 5 | 60,429 | 2,931 | 2,052 |
| 6 | 63,360 | 3,073 | 2,151 |
| 7 | 66,433 | 3,222 | 2,255 |
| 8 | 69,654 | 3,378 | 2,365 |
| 9 | 73,033 | 3,542 | 2,479 |
| 10 | 76,575 | 3,714 | 2,600 |
| 11 | 80,289 | 3,894 | 2,726 |
| 12 | 84,183 | 4,083 | 2,858 |
| 13 | 88,266 | 4,281 | 2,997 |
| 14 | 92,546 | 4,489 | 3,142 |
| 15 | 97,035 | 4,706 | 3,294 |
| 16 | 101,741 | 4,934 | 3,454 |
| 17 | 106,676 | 5,174 | 3,622 |
| 18 | 111,849 | 5,425 | 3,797 |
| 19 | 117,274 | 5,688 | 3,981 |
| 20 | 122,962 | 5,964 | 4,175 |
| TOTAL | $78,925 | $55,248 |
| Year | Rate 5.22% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,610 | 1,827 |
| 2 | 52,610 | 2,746 | 1,922 |
| 3 | 55,356 | 2,890 | 2,023 |
| 4 | 58,246 | 3,040 | 2,128 |
| 5 | 61,286 | 3,199 | 2,239 |
| 6 | 64,485 | 3,366 | 2,356 |
| 7 | 67,852 | 3,542 | 2,479 |
| 8 | 71,393 | 3,727 | 2,609 |
| 9 | 75,120 | 3,921 | 2,745 |
| 10 | 79,041 | 4,126 | 2,888 |
| 11 | 83,167 | 4,341 | 3,039 |
| 12 | 87,509 | 4,568 | 3,198 |
| 13 | 92,077 | 4,806 | 3,364 |
| 14 | 96,883 | 5,057 | 3,540 |
| 15 | 101,940 | 5,321 | 3,725 |
| 16 | 107,262 | 5,599 | 3,919 |
| 17 | 112,861 | 5,891 | 4,124 |
| 18 | 118,752 | 6,199 | 4,339 |
| 19 | 124,951 | 6,522 | 4,566 |
| 20 | 131,473 | 6,863 | 4,804 |
| TOTAL | $88,336 | $61,835 |
| Year | Rate 4.07% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,035 | 1,425 |
| 2 | 52,035 | 2,118 | 1,482 |
| 3 | 54,153 | 2,204 | 1,543 |
| 4 | 56,357 | 2,294 | 1,606 |
| 5 | 58,651 | 2,387 | 1,671 |
| 6 | 61,038 | 2,484 | 1,739 |
| 7 | 63,522 | 2,585 | 1,810 |
| 8 | 66,107 | 2,691 | 1,883 |
| 9 | 68,798 | 2,800 | 1,960 |
| 10 | 71,598 | 2,914 | 2,040 |
| 11 | 74,512 | 3,033 | 2,123 |
| 12 | 77,545 | 3,156 | 2,209 |
| 13 | 80,701 | 3,285 | 2,299 |
| 14 | 83,985 | 3,418 | 2,393 |
| 15 | 87,403 | 3,557 | 2,490 |
| 16 | 90,961 | 3,702 | 2,591 |
| 17 | 94,663 | 3,853 | 2,697 |
| 18 | 98,515 | 4,010 | 2,807 |
| 19 | 102,525 | 4,173 | 2,921 |
| 20 | 106,698 | 4,343 | 3,040 |
| TOTAL | $61,040 | $42,728 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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|
|
4.20% |
$50,000 |
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Last change: ↑0.20% on December 7. |
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|
|
4.10% |
$25,000 |
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Last change: ↓0.15% on November 26. |
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|
|
4.10% |
$500 |
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Last change: ↓0.10% on September 17. |
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|
4.10% |
$1,500 |
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Last change: ↓0.05% on December 8. |
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