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 4.10% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,050 | 1,435 |
| 2 | 52,050 | 2,134 | 1,494 |
| 3 | 54,184 | 2,222 | 1,555 |
| 4 | 56,406 | 2,313 | 1,619 |
| 5 | 58,718 | 2,407 | 1,685 |
| 6 | 61,126 | 2,506 | 1,754 |
| 7 | 63,632 | 2,609 | 1,826 |
| 8 | 66,241 | 2,716 | 1,901 |
| 9 | 68,957 | 2,827 | 1,979 |
| 10 | 71,784 | 2,943 | 2,060 |
| 11 | 74,727 | 3,064 | 2,145 |
| 12 | 77,791 | 3,189 | 2,233 |
| 13 | 80,980 | 3,320 | 2,324 |
| 14 | 84,300 | 3,456 | 2,419 |
| 15 | 87,757 | 3,598 | 2,519 |
| 16 | 91,355 | 3,746 | 2,622 |
| 17 | 95,100 | 3,899 | 2,729 |
| 18 | 98,999 | 4,059 | 2,841 |
| 19 | 103,058 | 4,225 | 2,958 |
| 20 | 107,284 | 4,399 | 3,079 |
| TOTAL | $61,682 | $43,178 |
| Year | Rate 3.50% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,750 | 1,225 |
| 2 | 51,750 | 1,811 | 1,268 |
| 3 | 53,561 | 1,875 | 1,312 |
| 4 | 55,436 | 1,940 | 1,358 |
| 5 | 57,376 | 2,008 | 1,406 |
| 6 | 59,384 | 2,078 | 1,455 |
| 7 | 61,463 | 2,151 | 1,506 |
| 8 | 63,614 | 2,226 | 1,559 |
| 9 | 65,840 | 2,304 | 1,613 |
| 10 | 68,145 | 2,385 | 1,670 |
| 11 | 70,530 | 2,469 | 1,728 |
| 12 | 72,998 | 2,555 | 1,788 |
| 13 | 75,553 | 2,644 | 1,851 |
| 14 | 78,198 | 2,737 | 1,916 |
| 15 | 80,935 | 2,833 | 1,983 |
| 16 | 83,767 | 2,932 | 2,052 |
| 17 | 86,699 | 3,034 | 2,124 |
| 18 | 89,734 | 3,141 | 2,198 |
| 19 | 92,874 | 3,251 | 2,275 |
| 20 | 96,125 | 3,364 | 2,355 |
| TOTAL | $49,489 | $34,643 |
| Year | Rate 4.50% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,250 | 1,575 |
| 2 | 52,250 | 2,351 | 1,646 |
| 3 | 54,601 | 2,457 | 1,720 |
| 4 | 57,058 | 2,568 | 1,797 |
| 5 | 59,626 | 2,683 | 1,878 |
| 6 | 62,309 | 2,804 | 1,963 |
| 7 | 65,113 | 2,930 | 2,051 |
| 8 | 68,043 | 3,062 | 2,143 |
| 9 | 71,105 | 3,200 | 2,240 |
| 10 | 74,305 | 3,344 | 2,341 |
| 11 | 77,648 | 3,494 | 2,446 |
| 12 | 81,143 | 3,651 | 2,556 |
| 13 | 84,794 | 3,816 | 2,671 |
| 14 | 88,610 | 3,987 | 2,791 |
| 15 | 92,597 | 4,167 | 2,917 |
| 16 | 96,764 | 4,354 | 3,048 |
| 17 | 101,119 | 4,550 | 3,185 |
| 18 | 105,669 | 4,755 | 3,329 |
| 19 | 110,424 | 4,969 | 3,478 |
| 20 | 115,393 | 5,193 | 3,635 |
| TOTAL | $70,586 | $49,410 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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|
4.55% |
$50,000 |
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Last change: ↓0.10% on February 9. |
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4.55% |
$1,000 |
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Last change: ↓0.50% on October 1, 2024. |
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|
4.50% |
$500 |
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Last change: ↑0.20% on January 18. |
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4.50% |
$1,500 |
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Last change: ↓0.15% on January 25. |
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4.50% |
$50,000 |
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Last change: ↑0.20% on April 9. |
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