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 2.48% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,240 | 868 |
| 2 | 51,240 | 1,271 | 890 |
| 3 | 52,511 | 1,302 | 912 |
| 4 | 53,813 | 1,335 | 934 |
| 5 | 55,148 | 1,368 | 957 |
| 6 | 56,515 | 1,402 | 981 |
| 7 | 57,917 | 1,436 | 1,005 |
| 8 | 59,353 | 1,472 | 1,030 |
| 9 | 60,825 | 1,508 | 1,056 |
| 10 | 62,334 | 1,546 | 1,082 |
| 11 | 63,879 | 1,584 | 1,109 |
| 12 | 65,464 | 1,623 | 1,136 |
| 13 | 67,087 | 1,664 | 1,165 |
| 14 | 68,751 | 1,705 | 1,194 |
| 15 | 70,456 | 1,747 | 1,223 |
| 16 | 72,203 | 1,791 | 1,253 |
| 17 | 73,994 | 1,835 | 1,285 |
| 18 | 75,829 | 1,881 | 1,316 |
| 19 | 77,709 | 1,927 | 1,349 |
| 20 | 79,637 | 1,975 | 1,382 |
| TOTAL | $31,612 | $22,128 |
| 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 1.81% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 905 | 634 |
| 2 | 50,905 | 921 | 645 |
| 3 | 51,826 | 938 | 657 |
| 4 | 52,764 | 955 | 669 |
| 5 | 53,719 | 972 | 681 |
| 6 | 54,692 | 990 | 693 |
| 7 | 55,682 | 1,008 | 705 |
| 8 | 56,690 | 1,026 | 718 |
| 9 | 57,716 | 1,045 | 731 |
| 10 | 58,760 | 1,064 | 744 |
| 11 | 59,824 | 1,083 | 758 |
| 12 | 60,907 | 1,102 | 772 |
| 13 | 62,009 | 1,122 | 786 |
| 14 | 63,131 | 1,143 | 800 |
| 15 | 64,274 | 1,163 | 814 |
| 16 | 65,437 | 1,184 | 829 |
| 17 | 66,622 | 1,206 | 844 |
| 18 | 67,828 | 1,228 | 859 |
| 19 | 69,055 | 1,250 | 875 |
| 20 | 70,305 | 1,273 | 891 |
| TOTAL | $21,578 | $15,105 |
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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4.51% |
$1,000 |
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Last change: ↑0.06% on June 24. |
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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: ↑0.20% on April 9. |
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|
4.49% |
$1,000 |
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Last change: ↑0.34% on May 27. |
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