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 0.70% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 351 | 246 |
| 2 | 50,351 | 353 | 247 |
| 3 | 50,704 | 356 | 249 |
| 4 | 51,060 | 358 | 251 |
| 5 | 51,419 | 361 | 253 |
| 6 | 51,780 | 363 | 254 |
| 7 | 52,143 | 366 | 256 |
| 8 | 52,509 | 369 | 258 |
| 9 | 52,878 | 371 | 260 |
| 10 | 53,249 | 374 | 262 |
| 11 | 53,623 | 376 | 264 |
| 12 | 53,999 | 379 | 265 |
| 13 | 54,378 | 382 | 267 |
| 14 | 54,760 | 384 | 269 |
| 15 | 55,145 | 387 | 271 |
| 16 | 55,532 | 390 | 273 |
| 17 | 55,922 | 393 | 275 |
| 18 | 56,314 | 395 | 277 |
| 19 | 56,709 | 398 | 279 |
| 20 | 57,108 | 401 | 281 |
| TOTAL | $7,508 | $5,256 |
| Year | Rate 0.53% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 265 | 186 |
| 2 | 50,265 | 266 | 186 |
| 3 | 50,531 | 268 | 187 |
| 4 | 50,799 | 269 | 188 |
| 5 | 51,068 | 271 | 189 |
| 6 | 51,339 | 272 | 190 |
| 7 | 51,611 | 274 | 191 |
| 8 | 51,885 | 275 | 192 |
| 9 | 52,160 | 276 | 194 |
| 10 | 52,436 | 278 | 195 |
| 11 | 52,714 | 279 | 196 |
| 12 | 52,993 | 281 | 197 |
| 13 | 53,274 | 282 | 198 |
| 14 | 53,557 | 284 | 199 |
| 15 | 53,841 | 285 | 200 |
| 16 | 54,126 | 287 | 201 |
| 17 | 54,413 | 288 | 202 |
| 18 | 54,701 | 290 | 203 |
| 19 | 54,991 | 291 | 204 |
| 20 | 55,283 | 293 | 205 |
| TOTAL | $5,576 | $3,903 |
| 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? | ||
|---|---|---|---|---|
|
|
4.25% |
$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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4.20% |
$1,000 |
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Last change: ↑0.05% on December 1. |
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4.15% |
$1,000 |
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Last change: ↑0.10% on December 1. |
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4.10% |
$25,000 |
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Last change: ↓0.15% on November 26. |
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