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 3.95% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,975 | 1,383 |
| 2 | 51,975 | 2,053 | 1,437 |
| 3 | 54,028 | 2,134 | 1,494 |
| 4 | 56,162 | 2,218 | 1,553 |
| 5 | 58,381 | 2,306 | 1,614 |
| 6 | 60,687 | 2,397 | 1,678 |
| 7 | 63,084 | 2,492 | 1,744 |
| 8 | 65,575 | 2,590 | 1,813 |
| 9 | 68,166 | 2,693 | 1,885 |
| 10 | 70,858 | 2,799 | 1,959 |
| 11 | 73,657 | 2,909 | 2,037 |
| 12 | 76,567 | 3,024 | 2,117 |
| 13 | 79,591 | 3,144 | 2,201 |
| 14 | 82,735 | 3,268 | 2,288 |
| 15 | 86,003 | 3,397 | 2,378 |
| 16 | 89,400 | 3,531 | 2,472 |
| 17 | 92,931 | 3,671 | 2,570 |
| 18 | 96,602 | 3,816 | 2,671 |
| 19 | 100,418 | 3,967 | 2,777 |
| 20 | 104,384 | 4,123 | 2,886 |
| TOTAL | $58,508 | $40,955 |
| Year | Rate 0.60% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 300 | 210 |
| 2 | 50,300 | 302 | 211 |
| 3 | 50,602 | 304 | 213 |
| 4 | 50,905 | 305 | 214 |
| 5 | 51,211 | 307 | 215 |
| 6 | 51,518 | 309 | 216 |
| 7 | 51,827 | 311 | 218 |
| 8 | 52,138 | 313 | 219 |
| 9 | 52,451 | 315 | 220 |
| 10 | 52,766 | 317 | 222 |
| 11 | 53,082 | 318 | 223 |
| 12 | 53,401 | 320 | 224 |
| 13 | 53,721 | 322 | 226 |
| 14 | 54,044 | 324 | 227 |
| 15 | 54,368 | 326 | 228 |
| 16 | 54,694 | 328 | 230 |
| 17 | 55,022 | 330 | 231 |
| 18 | 55,352 | 332 | 232 |
| 19 | 55,684 | 334 | 234 |
| 20 | 56,019 | 336 | 235 |
| TOTAL | $6,355 | $4,448 |
| Year | Rate 2.40% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,200 | 840 |
| 2 | 51,200 | 1,229 | 860 |
| 3 | 52,429 | 1,258 | 881 |
| 4 | 53,687 | 1,288 | 902 |
| 5 | 54,976 | 1,319 | 924 |
| 6 | 56,295 | 1,351 | 946 |
| 7 | 57,646 | 1,384 | 968 |
| 8 | 59,030 | 1,417 | 992 |
| 9 | 60,446 | 1,451 | 1,015 |
| 10 | 61,897 | 1,486 | 1,040 |
| 11 | 63,383 | 1,521 | 1,065 |
| 12 | 64,904 | 1,558 | 1,090 |
| 13 | 66,461 | 1,595 | 1,117 |
| 14 | 68,056 | 1,633 | 1,143 |
| 15 | 69,690 | 1,673 | 1,171 |
| 16 | 71,362 | 1,713 | 1,199 |
| 17 | 73,075 | 1,754 | 1,228 |
| 18 | 74,829 | 1,796 | 1,257 |
| 19 | 76,625 | 1,839 | 1,287 |
| 20 | 78,464 | 1,883 | 1,318 |
| TOTAL | $30,347 | $21,243 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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|
|
4.20% |
$50,000 |
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Last change: ↑0.20% on December 7. |
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|
|
4.20% |
$1,000 |
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Last change: ↑0.05% on December 1. |
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|
|
4.15% |
$1,000 |
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|
Last change: ↑0.10% on December 1. |
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|
|
4.10% |
$25,000 |
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|
Last change: ↓0.15% on November 26. |
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