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 3.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,500 | 1,050 |
| 2 | 51,500 | 1,545 | 1,082 |
| 3 | 53,045 | 1,591 | 1,114 |
| 4 | 54,636 | 1,639 | 1,147 |
| 5 | 56,275 | 1,688 | 1,182 |
| 6 | 57,964 | 1,739 | 1,217 |
| 7 | 59,703 | 1,791 | 1,254 |
| 8 | 61,494 | 1,845 | 1,291 |
| 9 | 63,339 | 1,900 | 1,330 |
| 10 | 65,239 | 1,957 | 1,370 |
| 11 | 67,196 | 2,016 | 1,411 |
| 12 | 69,212 | 2,076 | 1,453 |
| 13 | 71,288 | 2,139 | 1,497 |
| 14 | 73,427 | 2,203 | 1,542 |
| 15 | 75,629 | 2,269 | 1,588 |
| 16 | 77,898 | 2,337 | 1,636 |
| 17 | 80,235 | 2,407 | 1,685 |
| 18 | 82,642 | 2,479 | 1,735 |
| 19 | 85,122 | 2,554 | 1,788 |
| 20 | 87,675 | 2,630 | 1,841 |
| TOTAL | $40,306 | $28,214 |
| Year | Rate 1.35% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 675 | 473 |
| 2 | 50,675 | 684 | 479 |
| 3 | 51,359 | 693 | 485 |
| 4 | 52,052 | 703 | 492 |
| 5 | 52,755 | 712 | 499 |
| 6 | 53,467 | 722 | 505 |
| 7 | 54,189 | 732 | 512 |
| 8 | 54,921 | 741 | 519 |
| 9 | 55,662 | 751 | 526 |
| 10 | 56,414 | 762 | 533 |
| 11 | 57,175 | 772 | 540 |
| 12 | 57,947 | 782 | 548 |
| 13 | 58,729 | 793 | 555 |
| 14 | 59,522 | 804 | 562 |
| 15 | 60,326 | 814 | 570 |
| 16 | 61,140 | 825 | 578 |
| 17 | 61,966 | 837 | 586 |
| 18 | 62,802 | 848 | 593 |
| 19 | 63,650 | 859 | 601 |
| 20 | 64,509 | 871 | 610 |
| TOTAL | $15,380 | $10,766 |
| Year | Rate 4.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,000 | 1,400 |
| 2 | 52,000 | 2,080 | 1,456 |
| 3 | 54,080 | 2,163 | 1,514 |
| 4 | 56,243 | 2,250 | 1,575 |
| 5 | 58,493 | 2,340 | 1,638 |
| 6 | 60,833 | 2,433 | 1,703 |
| 7 | 63,266 | 2,531 | 1,771 |
| 8 | 65,797 | 2,632 | 1,842 |
| 9 | 68,428 | 2,737 | 1,916 |
| 10 | 71,166 | 2,847 | 1,993 |
| 11 | 74,012 | 2,960 | 2,072 |
| 12 | 76,973 | 3,079 | 2,155 |
| 13 | 80,052 | 3,202 | 2,241 |
| 14 | 83,254 | 3,330 | 2,331 |
| 15 | 86,584 | 3,463 | 2,424 |
| 16 | 90,047 | 3,602 | 2,521 |
| 17 | 93,649 | 3,746 | 2,622 |
| 18 | 97,395 | 3,896 | 2,727 |
| 19 | 101,291 | 4,052 | 2,836 |
| 20 | 105,342 | 4,214 | 2,950 |
| TOTAL | $59,556 | $41,689 |
| Year | Rate 2.53% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,265 | 886 |
| 2 | 51,265 | 1,297 | 908 |
| 3 | 52,562 | 1,330 | 931 |
| 4 | 53,892 | 1,363 | 954 |
| 5 | 55,255 | 1,398 | 979 |
| 6 | 56,653 | 1,433 | 1,003 |
| 7 | 58,087 | 1,470 | 1,029 |
| 8 | 59,556 | 1,507 | 1,055 |
| 9 | 61,063 | 1,545 | 1,081 |
| 10 | 62,608 | 1,584 | 1,109 |
| 11 | 64,192 | 1,624 | 1,137 |
| 12 | 65,816 | 1,665 | 1,166 |
| 13 | 67,481 | 1,707 | 1,195 |
| 14 | 69,188 | 1,750 | 1,225 |
| 15 | 70,939 | 1,795 | 1,256 |
| 16 | 72,733 | 1,840 | 1,288 |
| 17 | 74,574 | 1,887 | 1,321 |
| 18 | 76,460 | 1,934 | 1,354 |
| 19 | 78,395 | 1,983 | 1,388 |
| 20 | 80,378 | 2,034 | 1,423 |
| TOTAL | $32,412 | $22,688 |
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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|
|
4.50% |
$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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