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 1.66% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 830 | 581 |
| 2 | 50,830 | 844 | 591 |
| 3 | 51,674 | 858 | 600 |
| 4 | 52,532 | 872 | 610 |
| 5 | 53,404 | 886 | 621 |
| 6 | 54,290 | 901 | 631 |
| 7 | 55,191 | 916 | 641 |
| 8 | 56,107 | 931 | 652 |
| 9 | 57,039 | 947 | 663 |
| 10 | 57,986 | 963 | 674 |
| 11 | 58,948 | 979 | 685 |
| 12 | 59,927 | 995 | 696 |
| 13 | 60,922 | 1,011 | 708 |
| 14 | 61,933 | 1,028 | 720 |
| 15 | 62,961 | 1,045 | 732 |
| 16 | 64,006 | 1,063 | 744 |
| 17 | 65,069 | 1,080 | 756 |
| 18 | 66,149 | 1,098 | 769 |
| 19 | 67,247 | 1,116 | 781 |
| 20 | 68,363 | 1,135 | 794 |
| TOTAL | $19,498 | $13,649 |
| 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 2.34% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,170 | 819 |
| 2 | 51,170 | 1,197 | 838 |
| 3 | 52,367 | 1,225 | 858 |
| 4 | 53,593 | 1,254 | 878 |
| 5 | 54,847 | 1,283 | 898 |
| 6 | 56,130 | 1,313 | 919 |
| 7 | 57,444 | 1,344 | 941 |
| 8 | 58,788 | 1,376 | 963 |
| 9 | 60,164 | 1,408 | 985 |
| 10 | 61,571 | 1,441 | 1,009 |
| 11 | 63,012 | 1,474 | 1,032 |
| 12 | 64,487 | 1,509 | 1,056 |
| 13 | 65,996 | 1,544 | 1,081 |
| 14 | 67,540 | 1,580 | 1,106 |
| 15 | 69,120 | 1,617 | 1,132 |
| 16 | 70,738 | 1,655 | 1,159 |
| 17 | 72,393 | 1,694 | 1,186 |
| 18 | 74,087 | 1,734 | 1,214 |
| 19 | 75,821 | 1,774 | 1,242 |
| 20 | 77,595 | 1,816 | 1,271 |
| TOTAL | $29,411 | $20,587 |
| 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 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.55% |
$1,000 |
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Last change: ↓0.50% on October 1, 2024. |
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|
|
4.51% |
$1,000 |
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Last change: ↑0.06% on June 24. |
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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: ↑0.20% on April 9. |
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|
4.49% |
$1,000 |
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Last change: ↑0.34% on May 27. |
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