The product UNIVERSITY OF WISCONSIN with 2.86% APY and $10,000 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 $26,515. The interest earned would be $6,515 and the tax amount on the interest earned would be approximately $1,955.
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 | 20,091 | 45 | 32 |
| 4 | 20,136 | 46 | 32 |
| 5 | 20,181 | 46 | 32 |
| 6 | 20,227 | 46 | 32 |
| 7 | 20,273 | 46 | 32 |
| 8 | 20,319 | 46 | 32 |
| 9 | 20,364 | 46 | 32 |
| 10 | 20,410 | 46 | 32 |
| TOTAL: | $457 | $320 |
| Rate: 2.86% |
Annual Interest |
Annual Interest (After Tax) |
|
|---|---|---|---|
| 1 | 20,000 | 572 | 400 |
| 2 | 20,572 | 588 | 412 |
| 3 | 21,160 | 605 | 424 |
| 4 | 21,766 | 622 | 436 |
| 5 | 22,388 | 640 | 448 |
| 6 | 23,028 | 659 | 461 |
| 7 | 23,687 | 677 | 474 |
| 8 | 24,364 | 697 | 488 |
| 9 | 25,061 | 717 | 502 |
| 10 | 25,778 | 737 | 516 |
| TOTAL: | $6,515 | $4,561 |
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 |
|---|---|
| December 8, 2025 | 2.86% |
| November 24, 2025 | 2.92% |
| November 10, 2025 | 2.94% |
| November 3, 2025 | 2.95% |
| October 27, 2025 | 2.98% |
| October 13, 2025 | 3.03% |
| October 6, 2025 | 3.00% |
| September 29, 2025 | 2.94% |
| September 20, 2025 | 2.92% |
| September 15, 2025 | 3.00% |
| September 8, 2025 | 3.10% |
| September 1, 2025 | 3.18% |
| August 25, 2025 | 3.20% |
| August 11, 2025 | 3.22% |
| July 21, 2025 | 3.32% |
| July 14, 2025 | 3.36% |
| July 7, 2025 | 3.31% |
| June 30, 2025 | 3.28% |
| June 23, 2025 | 3.32% |
| June 16, 2025 | 3.35% |
| June 9, 2025 | 3.33% |
| June 2, 2025 | 3.25% |
| May 26, 2025 | 3.28% |
| May 19, 2025 | 3.31% |
| May 12, 2025 | 3.24% |
| May 5, 2025 | 3.21% |
| April 21, 2025 | 3.23% |
| April 14, 2025 | 3.25% |
| April 1, 2025 | 3.24% |
| January 27, 2025 | 3.20% |
| January 13, 2025 | 3.25% |
| January 6, 2025 | 3.27% |
| December 30, 2024 | 3.30% |
| December 23, 2024 | 3.28% |
| December 16, 2024 | 3.09% |
| December 9, 2024 | 3.17% |
| November 25, 2024 | 3.06% |
| November 18, 2024 | 3.07% |
| November 11, 2024 | 3.08% |
| November 4, 2024 | 3.13% |
| October 28, 2024 | 3.15% |
| October 21, 2024 | 3.16% |
| October 14, 2024 | 3.18% |
| October 7, 2024 | 3.14% |
| September 30, 2024 | 3.12% |
| June 10, 2024 | 3.32% |
| June 3, 2024 | 3.27% |
| May 27, 2024 | 3.26% |
| May 20, 2024 | 3.25% |
| April 29, 2024 | 3.26% |
| April 23, 2024 | 3.15% |
| April 10, 2024 | 3.14% |
| March 19, 2024 | 3.12% |
| March 14, 2024 | 3.11% |
| January 23, 2024 | 3.10% |
| January 15, 2024 | 3.11% |
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
Learn More | |
|
Last change: ↓0.16% on September 18. |
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|
|
4.20% |
$50,000 |
Learn More | |
|
Last change: ↑0.20% on December 7. |
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|
|
4.20% |
$1,000 |
Learn More | |
|
Last change: ↑0.05% on December 1. |
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|
|
4.15% |
$1,000 |
Learn More | |
|
Last change: ↑0.10% on December 1. |
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|
|
4.10% |
$25,000 |
Learn More | |
|
Last change: ↓0.15% on November 26. |
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