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 1.15% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 575 | 403 |
| 2 | 50,575 | 582 | 407 |
| 3 | 51,157 | 588 | 412 |
| 4 | 51,745 | 595 | 417 |
| 5 | 52,340 | 602 | 421 |
| 6 | 52,942 | 609 | 426 |
| 7 | 53,551 | 616 | 431 |
| 8 | 54,167 | 623 | 436 |
| 9 | 54,789 | 630 | 441 |
| 10 | 55,420 | 637 | 446 |
| 11 | 56,057 | 645 | 451 |
| 12 | 56,702 | 652 | 456 |
| 13 | 57,354 | 660 | 462 |
| 14 | 58,013 | 667 | 467 |
| 15 | 58,680 | 675 | 472 |
| 16 | 59,355 | 683 | 478 |
| 17 | 60,038 | 690 | 483 |
| 18 | 60,728 | 698 | 489 |
| 19 | 61,427 | 706 | 494 |
| 20 | 62,133 | 715 | 500 |
| TOTAL | $12,847 | $8,993 |
| Year | Rate 0.81% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 405 | 284 |
| 2 | 50,405 | 408 | 286 |
| 3 | 50,813 | 412 | 288 |
| 4 | 51,225 | 415 | 290 |
| 5 | 51,640 | 418 | 293 |
| 6 | 52,058 | 422 | 295 |
| 7 | 52,480 | 425 | 298 |
| 8 | 52,905 | 429 | 300 |
| 9 | 53,333 | 432 | 302 |
| 10 | 53,765 | 435 | 305 |
| 11 | 54,201 | 439 | 307 |
| 12 | 54,640 | 443 | 310 |
| 13 | 55,082 | 446 | 312 |
| 14 | 55,529 | 450 | 315 |
| 15 | 55,978 | 453 | 317 |
| 16 | 56,432 | 457 | 320 |
| 17 | 56,889 | 461 | 323 |
| 18 | 57,350 | 465 | 325 |
| 19 | 57,814 | 468 | 328 |
| 20 | 58,283 | 472 | 330 |
| TOTAL | $8,755 | $6,128 |
| Year | Rate 3.50% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,750 | 1,225 |
| 2 | 51,750 | 1,811 | 1,268 |
| 3 | 53,561 | 1,875 | 1,312 |
| 4 | 55,436 | 1,940 | 1,358 |
| 5 | 57,376 | 2,008 | 1,406 |
| 6 | 59,384 | 2,078 | 1,455 |
| 7 | 61,463 | 2,151 | 1,506 |
| 8 | 63,614 | 2,226 | 1,559 |
| 9 | 65,840 | 2,304 | 1,613 |
| 10 | 68,145 | 2,385 | 1,670 |
| 11 | 70,530 | 2,469 | 1,728 |
| 12 | 72,998 | 2,555 | 1,788 |
| 13 | 75,553 | 2,644 | 1,851 |
| 14 | 78,198 | 2,737 | 1,916 |
| 15 | 80,935 | 2,833 | 1,983 |
| 16 | 83,767 | 2,932 | 2,052 |
| 17 | 86,699 | 3,034 | 2,124 |
| 18 | 89,734 | 3,141 | 2,198 |
| 19 | 92,874 | 3,251 | 2,275 |
| 20 | 96,125 | 3,364 | 2,355 |
| TOTAL | $49,489 | $34,643 |
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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|
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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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