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 3.30% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,650 | 1,155 |
| 2 | 51,650 | 1,704 | 1,193 |
| 3 | 53,354 | 1,761 | 1,232 |
| 4 | 55,115 | 1,819 | 1,273 |
| 5 | 56,934 | 1,879 | 1,315 |
| 6 | 58,813 | 1,941 | 1,359 |
| 7 | 60,754 | 2,005 | 1,403 |
| 8 | 62,758 | 2,071 | 1,450 |
| 9 | 64,829 | 2,139 | 1,498 |
| 10 | 66,969 | 2,210 | 1,547 |
| 11 | 69,179 | 2,283 | 1,598 |
| 12 | 71,462 | 2,358 | 1,651 |
| 13 | 73,820 | 2,436 | 1,705 |
| 14 | 76,256 | 2,516 | 1,762 |
| 15 | 78,772 | 2,599 | 1,820 |
| 16 | 81,372 | 2,685 | 1,880 |
| 17 | 84,057 | 2,774 | 1,942 |
| 18 | 86,831 | 2,865 | 2,006 |
| 19 | 89,697 | 2,960 | 2,072 |
| 20 | 92,657 | 3,058 | 2,140 |
| TOTAL | $45,714 | $32,000 |
| Year | Rate 0.05% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 25 | 18 |
| 2 | 50,025 | 25 | 18 |
| 3 | 50,050 | 25 | 18 |
| 4 | 50,075 | 25 | 18 |
| 5 | 50,100 | 25 | 18 |
| 6 | 50,125 | 25 | 18 |
| 7 | 50,150 | 25 | 18 |
| 8 | 50,175 | 25 | 18 |
| 9 | 50,200 | 25 | 18 |
| 10 | 50,225 | 25 | 18 |
| 11 | 50,251 | 25 | 18 |
| 12 | 50,276 | 25 | 18 |
| 13 | 50,301 | 25 | 18 |
| 14 | 50,326 | 25 | 18 |
| 15 | 50,351 | 25 | 18 |
| 16 | 50,376 | 25 | 18 |
| 17 | 50,402 | 25 | 18 |
| 18 | 50,427 | 25 | 18 |
| 19 | 50,452 | 25 | 18 |
| 20 | 50,477 | 25 | 18 |
| TOTAL | $502 | $352 |
| Year | Rate 2.60% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,300 | 910 |
| 2 | 51,300 | 1,334 | 934 |
| 3 | 52,634 | 1,368 | 958 |
| 4 | 54,002 | 1,404 | 983 |
| 5 | 55,406 | 1,441 | 1,008 |
| 6 | 56,847 | 1,478 | 1,035 |
| 7 | 58,325 | 1,516 | 1,062 |
| 8 | 59,841 | 1,556 | 1,089 |
| 9 | 61,397 | 1,596 | 1,117 |
| 10 | 62,994 | 1,638 | 1,146 |
| 11 | 64,631 | 1,680 | 1,176 |
| 12 | 66,312 | 1,724 | 1,207 |
| 13 | 68,036 | 1,769 | 1,238 |
| 14 | 69,805 | 1,815 | 1,270 |
| 15 | 71,620 | 1,862 | 1,303 |
| 16 | 73,482 | 1,911 | 1,337 |
| 17 | 75,392 | 1,960 | 1,372 |
| 18 | 77,353 | 2,011 | 1,408 |
| 19 | 79,364 | 2,063 | 1,444 |
| 20 | 81,427 | 2,117 | 1,482 |
| TOTAL | $33,544 | $23,481 |
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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