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 4.08% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,040 | 1,428 |
| 2 | 52,040 | 2,123 | 1,486 |
| 3 | 54,163 | 2,210 | 1,547 |
| 4 | 56,373 | 2,300 | 1,610 |
| 5 | 58,673 | 2,394 | 1,676 |
| 6 | 61,067 | 2,492 | 1,744 |
| 7 | 63,559 | 2,593 | 1,815 |
| 8 | 66,152 | 2,699 | 1,889 |
| 9 | 68,851 | 2,809 | 1,966 |
| 10 | 71,660 | 2,924 | 2,047 |
| 11 | 74,584 | 3,043 | 2,130 |
| 12 | 77,627 | 3,167 | 2,217 |
| 13 | 80,794 | 3,296 | 2,307 |
| 14 | 84,090 | 3,431 | 2,402 |
| 15 | 87,521 | 3,571 | 2,500 |
| 16 | 91,092 | 3,717 | 2,602 |
| 17 | 94,808 | 3,868 | 2,708 |
| 18 | 98,677 | 4,026 | 2,818 |
| 19 | 102,703 | 4,190 | 2,933 |
| 20 | 106,893 | 4,361 | 3,053 |
| TOTAL | $61,254 | $42,878 |
| Year | Rate 4.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,125 | 1,488 |
| 2 | 52,125 | 2,215 | 1,551 |
| 3 | 54,340 | 2,309 | 1,617 |
| 4 | 56,650 | 2,408 | 1,685 |
| 5 | 59,057 | 2,510 | 1,757 |
| 6 | 61,567 | 2,617 | 1,832 |
| 7 | 64,184 | 2,728 | 1,909 |
| 8 | 66,912 | 2,844 | 1,991 |
| 9 | 69,756 | 2,965 | 2,075 |
| 10 | 72,720 | 3,091 | 2,163 |
| 11 | 75,811 | 3,222 | 2,255 |
| 12 | 79,033 | 3,359 | 2,351 |
| 13 | 82,392 | 3,502 | 2,451 |
| 14 | 85,893 | 3,650 | 2,555 |
| 15 | 89,544 | 3,806 | 2,664 |
| 16 | 93,349 | 3,967 | 2,777 |
| 17 | 97,317 | 4,136 | 2,895 |
| 18 | 101,453 | 4,312 | 3,018 |
| 19 | 105,764 | 4,495 | 3,146 |
| 20 | 110,259 | 4,686 | 3,280 |
| TOTAL | $64,945 | $45,462 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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|
4.20% |
$50,000 |
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Last change: ↑0.20% on December 7, 2025. |
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4.15% |
$500 |
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Last change: ↑0.15% on December 22, 2025. |
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4.10% |
$1,000 |
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4.10% |
$2,500 |
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Last change: ↑0.20% on December 7, 2025. |
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4.10% |
$0 |
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Last change: ↑0.10% on November 3, 2025. |
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