The product CD 15-month Account from AMERICAN HERITAGE with 3.81% APY and $1,000 minimum deposit and a tax rate of 30 compounded annually, with an initial amount of $20,000, after 10 years would have grown your savings to approximately $29,068. The interest earned would be $9,068 and the tax amount on the interest earned would be approximately $2,721.
Please note that this analysis assumes a constant interest rate and doesn't take into account any fees associated with the savings account.
This analysis is for demonstrative purposes only and may change should certain assumptions prove incorrect. Savings rates may change and CD rates may not be renewable for the length of the term of the analysis. The difference between the bank rate entered and the average rate may not remain constant throughout the term.
| Rate: 0.23% |
Annual Interest |
Annual Interest (After Tax) |
|
|---|---|---|---|
| 1 | 20,000 | 45 | 32 |
| 2 | 20,045 | 45 | 32 |
| 3 | 20,090 | 45 | 32 |
| 4 | 20,135 | 45 | 32 |
| 5 | 20,181 | 45 | 32 |
| 6 | 20,226 | 46 | 32 |
| 7 | 20,272 | 46 | 32 |
| 8 | 20,317 | 46 | 32 |
| 9 | 20,363 | 46 | 32 |
| 10 | 20,409 | 46 | 32 |
| TOTAL: | $455 | $318 |
| Rate: 3.81% |
Annual Interest |
Annual Interest (After Tax) |
|
|---|---|---|---|
| 1 | 20,000 | 762 | 533 |
| 2 | 20,762 | 791 | 554 |
| 3 | 21,553 | 821 | 575 |
| 4 | 22,374 | 852 | 597 |
| 5 | 23,227 | 885 | 619 |
| 6 | 24,112 | 919 | 643 |
| 7 | 25,030 | 954 | 668 |
| 8 | 25,984 | 990 | 693 |
| 9 | 26,974 | 1,028 | 719 |
| 10 | 28,002 | 1,067 | 747 |
| TOTAL: | $9,068 | $6,348 |
The accounts below offer some of the best rates in the country can be opened online, and are available nationally. As the calculator shows, changing accounts to earn a higher interest rate can really add up over time.
| Date | APY |
|---|---|
| November 17, 2025 | 3.81% |
| August 15, 2025 | 3.90% |
| July 28, 2025 | 4.00% |
| November 18, 2024 | 3.90% |
| September 23, 2024 | 4.00% |
| August 31, 2024 | 4.25% |
| February 23, 2024 | 4.65% |
| January 26, 2024 | 4.75% |
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.20% |
$50,000 |
Learn More | |
|
Last change: ↑0.20% on December 7. |
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|
|
4.15% |
$500 |
Learn More | |
|
Last change: ↑0.15% on December 22. |
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|
|
4.10% |
$1,000 |
Learn More | |
|
|
4.10% |
$2,500 |
Learn More | |
|
Last change: ↑0.20% on December 7. |
||||
|
|
4.10% |
$0 |
Learn More | |
|
Last change: ↑0.10% on November 3. |
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Customer Reviews for American Heritage (3)
Jobe0822@gmail.com
December 22, 2020 | Replies 1
Where is the 4.00/% rate? It doesn’t seem to exist?
Is this review helpful? Yes:0 / No: 0
| Jan 16, 2021
click on a branch , scroll down it's there min. is 1000., max 2000.
Joyce
April 15, 2016
Excellent bank with which to conduct business. Very helpful and they have competitive rates with promotions.
Is this review helpful? Yes:1 / No: 0
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