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 0.90% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 450 | 315 |
| 2 | 50,450 | 454 | 318 |
| 3 | 50,904 | 458 | 321 |
| 4 | 51,362 | 462 | 324 |
| 5 | 51,824 | 466 | 326 |
| 6 | 52,291 | 471 | 329 |
| 7 | 52,761 | 475 | 332 |
| 8 | 53,236 | 479 | 335 |
| 9 | 53,715 | 483 | 338 |
| 10 | 54,199 | 488 | 341 |
| 11 | 54,687 | 492 | 345 |
| 12 | 55,179 | 497 | 348 |
| 13 | 55,675 | 501 | 351 |
| 14 | 56,177 | 506 | 354 |
| 15 | 56,682 | 510 | 357 |
| 16 | 57,192 | 515 | 360 |
| 17 | 57,707 | 519 | 364 |
| 18 | 58,226 | 524 | 367 |
| 19 | 58,750 | 529 | 370 |
| 20 | 59,279 | 534 | 373 |
| TOTAL | $9,813 | $6,869 |
| Year | Rate 4.20% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,100 | 1,470 |
| 2 | 52,100 | 2,188 | 1,532 |
| 3 | 54,288 | 2,280 | 1,596 |
| 4 | 56,568 | 2,376 | 1,663 |
| 5 | 58,944 | 2,476 | 1,733 |
| 6 | 61,420 | 2,580 | 1,806 |
| 7 | 63,999 | 2,688 | 1,882 |
| 8 | 66,687 | 2,801 | 1,961 |
| 9 | 69,488 | 2,919 | 2,043 |
| 10 | 72,407 | 3,041 | 2,129 |
| 11 | 75,448 | 3,169 | 2,218 |
| 12 | 78,617 | 3,302 | 2,311 |
| 13 | 81,919 | 3,441 | 2,408 |
| 14 | 85,359 | 3,585 | 2,510 |
| 15 | 88,944 | 3,736 | 2,615 |
| 16 | 92,680 | 3,893 | 2,725 |
| 17 | 96,573 | 4,056 | 2,839 |
| 18 | 100,629 | 4,226 | 2,958 |
| 19 | 104,855 | 4,404 | 3,083 |
| 20 | 109,259 | 4,589 | 3,212 |
| TOTAL | $63,848 | $44,693 |
| 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 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
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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