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 0.65% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 325 | 228 |
| 2 | 50,325 | 327 | 229 |
| 3 | 50,652 | 329 | 230 |
| 4 | 50,981 | 331 | 232 |
| 5 | 51,313 | 334 | 233 |
| 6 | 51,646 | 336 | 235 |
| 7 | 51,982 | 338 | 237 |
| 8 | 52,320 | 340 | 238 |
| 9 | 52,660 | 342 | 240 |
| 10 | 53,002 | 345 | 241 |
| 11 | 53,347 | 347 | 243 |
| 12 | 53,693 | 349 | 244 |
| 13 | 54,042 | 351 | 246 |
| 14 | 54,394 | 354 | 247 |
| 15 | 54,747 | 356 | 249 |
| 16 | 55,103 | 358 | 251 |
| 17 | 55,461 | 360 | 252 |
| 18 | 55,822 | 363 | 254 |
| 19 | 56,185 | 365 | 256 |
| 20 | 56,550 | 368 | 257 |
| TOTAL | $6,917 | $4,842 |
| Year | Rate 3.51% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,755 | 1,229 |
| 2 | 51,755 | 1,817 | 1,272 |
| 3 | 53,572 | 1,880 | 1,316 |
| 4 | 55,452 | 1,946 | 1,362 |
| 5 | 57,398 | 2,015 | 1,410 |
| 6 | 59,413 | 2,085 | 1,460 |
| 7 | 61,498 | 2,159 | 1,511 |
| 8 | 63,657 | 2,234 | 1,564 |
| 9 | 65,891 | 2,313 | 1,619 |
| 10 | 68,204 | 2,394 | 1,676 |
| 11 | 70,598 | 2,478 | 1,735 |
| 12 | 73,076 | 2,565 | 1,795 |
| 13 | 75,641 | 2,655 | 1,859 |
| 14 | 78,296 | 2,748 | 1,924 |
| 15 | 81,044 | 2,845 | 1,991 |
| 16 | 83,889 | 2,945 | 2,061 |
| 17 | 86,833 | 3,048 | 2,133 |
| 18 | 89,881 | 3,155 | 2,208 |
| 19 | 93,036 | 3,266 | 2,286 |
| 20 | 96,302 | 3,380 | 2,366 |
| TOTAL | $49,682 | $34,777 |
| Year | Rate 1.06% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 530 | 371 |
| 2 | 50,530 | 536 | 375 |
| 3 | 51,066 | 541 | 379 |
| 4 | 51,607 | 547 | 383 |
| 5 | 52,154 | 553 | 387 |
| 6 | 52,707 | 559 | 391 |
| 7 | 53,265 | 565 | 395 |
| 8 | 53,830 | 571 | 399 |
| 9 | 54,401 | 577 | 404 |
| 10 | 54,977 | 583 | 408 |
| 11 | 55,560 | 589 | 412 |
| 12 | 56,149 | 595 | 417 |
| 13 | 56,744 | 601 | 421 |
| 14 | 57,346 | 608 | 426 |
| 15 | 57,954 | 614 | 430 |
| 16 | 58,568 | 621 | 435 |
| 17 | 59,189 | 627 | 439 |
| 18 | 59,816 | 634 | 444 |
| 19 | 60,450 | 641 | 449 |
| 20 | 61,091 | 648 | 453 |
| TOTAL | $11,738 | $8,217 |
| Year | Rate 1.36% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 680 | 476 |
| 2 | 50,680 | 689 | 482 |
| 3 | 51,369 | 699 | 489 |
| 4 | 52,068 | 708 | 496 |
| 5 | 52,776 | 718 | 502 |
| 6 | 53,494 | 728 | 509 |
| 7 | 54,221 | 737 | 516 |
| 8 | 54,959 | 747 | 523 |
| 9 | 55,706 | 758 | 530 |
| 10 | 56,464 | 768 | 538 |
| 11 | 57,232 | 778 | 545 |
| 12 | 58,010 | 789 | 552 |
| 13 | 58,799 | 800 | 560 |
| 14 | 59,599 | 811 | 567 |
| 15 | 60,409 | 822 | 575 |
| 16 | 61,231 | 833 | 583 |
| 17 | 62,063 | 844 | 591 |
| 18 | 62,907 | 856 | 599 |
| 19 | 63,763 | 867 | 607 |
| 20 | 64,630 | 879 | 615 |
| TOTAL | $15,509 | $10,856 |
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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