Compound Interest Calculator
CD 1-year Account from GARDINER with 3.82% APY and $500 minimum deposit

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The product CD 1-year Account from GARDINER with 3.82% APY and $500 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 $29,096. The interest earned would be $9,096 and the tax amount on the interest earned would be approximately $2,729.

Please note that this analysis assumes a constant interest rate and doesn't take into account any fees associated with the savings account.

The Results for GARDINER

Savings Boost of
$5,581 over 10 years

Cash Savings $20,000

Average Interest Earned $786

GARDINER Interest Earned $6,368

Compare

See comparison detail table

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.

Comparison Detail Table Close X

Average Rate Scenario

	Rate: 0.55%	Annual Interest	Annual Interest (After Tax)
1	20,000	110	77
2	20,110	110	77
3	20,220	111	78
4	20,331	111	78
5	20,442	112	78
6	20,554	113	79
7	20,667	113	79
8	20,780	114	80
9	20,894	114	80
10	21,008	115	81
	TOTAL:	$1,123	$786

GARDINER Scenario

	Rate: 3.82%	Annual Interest	Annual Interest (After Tax)
1	20,000	764	535
2	20,764	793	555
3	21,557	823	576
4	22,381	855	598
5	23,236	888	621
6	24,123	922	645
7	25,045	957	670
8	26,001	993	695
9	26,995	1,031	722
10	28,026	1,071	749
	TOTAL:	$9,096	$6,368

Take Action

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.

Recent Rate Changes

Date	APY
September 18, 2025	3.82%
August 2, 2024	4.07%
October 6, 2023	3.66%
August 20, 2023	3.20%

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Compound Interest Calculator CD 1-year Account from GARDINER with 3.82% APY and $500 minimum deposit