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 0.37% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 185 | 130 |
2 | 50,185 | 186 | 130 |
3 | 50,371 | 186 | 130 |
4 | 50,557 | 187 | 131 |
5 | 50,744 | 188 | 131 |
6 | 50,932 | 188 | 132 |
7 | 51,120 | 189 | 132 |
8 | 51,309 | 190 | 133 |
9 | 51,499 | 191 | 133 |
10 | 51,690 | 191 | 134 |
11 | 51,881 | 192 | 134 |
12 | 52,073 | 193 | 135 |
13 | 52,266 | 193 | 135 |
14 | 52,459 | 194 | 136 |
15 | 52,653 | 195 | 136 |
16 | 52,848 | 196 | 137 |
17 | 53,044 | 196 | 137 |
18 | 53,240 | 197 | 138 |
19 | 53,437 | 198 | 138 |
20 | 53,635 | 198 | 139 |
TOTAL | $3,833 | $2,683 |
Year | Rate 0.10% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 50 | 35 |
2 | 50,050 | 50 | 35 |
3 | 50,100 | 50 | 35 |
4 | 50,150 | 50 | 35 |
5 | 50,200 | 50 | 35 |
6 | 50,251 | 50 | 35 |
7 | 50,301 | 50 | 35 |
8 | 50,351 | 50 | 35 |
9 | 50,401 | 50 | 35 |
10 | 50,452 | 50 | 35 |
11 | 50,502 | 51 | 35 |
12 | 50,553 | 51 | 35 |
13 | 50,603 | 51 | 35 |
14 | 50,654 | 51 | 35 |
15 | 50,705 | 51 | 35 |
16 | 50,755 | 51 | 36 |
17 | 50,806 | 51 | 36 |
18 | 50,857 | 51 | 36 |
19 | 50,908 | 51 | 36 |
20 | 50,959 | 51 | 36 |
TOTAL | $1,010 | $707 |
Year | Rate 0.30% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 150 | 105 |
2 | 50,150 | 150 | 105 |
3 | 50,300 | 151 | 106 |
4 | 50,451 | 151 | 106 |
5 | 50,603 | 152 | 106 |
6 | 50,755 | 152 | 107 |
7 | 50,907 | 153 | 107 |
8 | 51,059 | 153 | 107 |
9 | 51,213 | 154 | 108 |
10 | 51,366 | 154 | 108 |
11 | 51,520 | 155 | 108 |
12 | 51,675 | 155 | 109 |
13 | 51,830 | 155 | 109 |
14 | 51,985 | 156 | 109 |
15 | 52,141 | 156 | 109 |
16 | 52,298 | 157 | 110 |
17 | 52,455 | 157 | 110 |
18 | 52,612 | 158 | 110 |
19 | 52,770 | 158 | 111 |
20 | 52,928 | 159 | 111 |
TOTAL | $3,087 | $2,161 |
Year | Rate 0.55% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 275 | 193 |
2 | 50,275 | 277 | 194 |
3 | 50,552 | 278 | 195 |
4 | 50,830 | 280 | 196 |
5 | 51,109 | 281 | 197 |
6 | 51,390 | 283 | 198 |
7 | 51,673 | 284 | 199 |
8 | 51,957 | 286 | 200 |
9 | 52,243 | 287 | 201 |
10 | 52,530 | 289 | 202 |
11 | 52,819 | 291 | 203 |
12 | 53,110 | 292 | 204 |
13 | 53,402 | 294 | 206 |
14 | 53,695 | 295 | 207 |
15 | 53,991 | 297 | 208 |
16 | 54,288 | 299 | 209 |
17 | 54,586 | 300 | 210 |
18 | 54,886 | 302 | 211 |
19 | 55,188 | 304 | 212 |
20 | 55,492 | 305 | 214 |
TOTAL | $5,797 | $4,058 |
Year | Rate 0.03% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 13 | 9 |
2 | 50,013 | 13 | 9 |
3 | 50,025 | 13 | 9 |
4 | 50,038 | 13 | 9 |
5 | 50,050 | 13 | 9 |
6 | 50,063 | 13 | 9 |
7 | 50,075 | 13 | 9 |
8 | 50,088 | 13 | 9 |
9 | 50,100 | 13 | 9 |
10 | 50,113 | 13 | 9 |
11 | 50,125 | 13 | 9 |
12 | 50,138 | 13 | 9 |
13 | 50,150 | 13 | 9 |
14 | 50,163 | 13 | 9 |
15 | 50,175 | 13 | 9 |
16 | 50,188 | 13 | 9 |
17 | 50,200 | 13 | 9 |
18 | 50,213 | 13 | 9 |
19 | 50,225 | 13 | 9 |
20 | 50,238 | 13 | 9 |
TOTAL | $251 | $175 |
Year | Rate 0.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 125 | 88 |
2 | 50,125 | 125 | 88 |
3 | 50,250 | 126 | 88 |
4 | 50,376 | 126 | 88 |
5 | 50,502 | 126 | 88 |
6 | 50,628 | 127 | 89 |
7 | 50,755 | 127 | 89 |
8 | 50,882 | 127 | 89 |
9 | 51,009 | 128 | 89 |
10 | 51,136 | 128 | 89 |
11 | 51,264 | 128 | 90 |
12 | 51,392 | 128 | 90 |
13 | 51,521 | 129 | 90 |
14 | 51,650 | 129 | 90 |
15 | 51,779 | 129 | 91 |
16 | 51,908 | 130 | 91 |
17 | 52,038 | 130 | 91 |
18 | 52,168 | 130 | 91 |
19 | 52,298 | 131 | 92 |
20 | 52,429 | 131 | 92 |
TOTAL | $2,560 | $1,792 |
Year | Rate 2.95% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,475 | 1,033 |
2 | 51,475 | 1,519 | 1,063 |
3 | 52,994 | 1,563 | 1,094 |
4 | 54,557 | 1,609 | 1,127 |
5 | 56,166 | 1,657 | 1,160 |
6 | 57,823 | 1,706 | 1,194 |
7 | 59,529 | 1,756 | 1,229 |
8 | 61,285 | 1,808 | 1,266 |
9 | 63,093 | 1,861 | 1,303 |
10 | 64,954 | 1,916 | 1,341 |
11 | 66,870 | 1,973 | 1,381 |
12 | 68,843 | 2,031 | 1,422 |
13 | 70,874 | 2,091 | 1,464 |
14 | 72,965 | 2,152 | 1,507 |
15 | 75,117 | 2,216 | 1,551 |
16 | 77,333 | 2,281 | 1,597 |
17 | 79,614 | 2,349 | 1,644 |
18 | 81,963 | 2,418 | 1,693 |
19 | 84,381 | 2,489 | 1,742 |
20 | 86,870 | 2,563 | 1,794 |
TOTAL | $39,433 | $27,603 |
Year | Rate 1.45% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 725 | 508 |
2 | 50,725 | 736 | 515 |
3 | 51,461 | 746 | 522 |
4 | 52,207 | 757 | 530 |
5 | 52,964 | 768 | 538 |
6 | 53,732 | 779 | 545 |
7 | 54,511 | 790 | 553 |
8 | 55,301 | 802 | 561 |
9 | 56,103 | 813 | 569 |
10 | 56,917 | 825 | 578 |
11 | 57,742 | 837 | 586 |
12 | 58,579 | 849 | 595 |
13 | 59,428 | 862 | 603 |
14 | 60,290 | 874 | 612 |
15 | 61,164 | 887 | 621 |
16 | 62,051 | 900 | 630 |
17 | 62,951 | 913 | 639 |
18 | 63,864 | 926 | 648 |
19 | 64,790 | 939 | 658 |
20 | 65,729 | 953 | 667 |
TOTAL | $16,682 | $11,678 |
Year | Rate 0.35% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 175 | 123 |
2 | 50,175 | 176 | 123 |
3 | 50,351 | 176 | 123 |
4 | 50,527 | 177 | 124 |
5 | 50,704 | 177 | 124 |
6 | 50,881 | 178 | 125 |
7 | 51,059 | 179 | 125 |
8 | 51,238 | 179 | 126 |
9 | 51,417 | 180 | 126 |
10 | 51,597 | 181 | 126 |
11 | 51,778 | 181 | 127 |
12 | 51,959 | 182 | 127 |
13 | 52,141 | 182 | 128 |
14 | 52,323 | 183 | 128 |
15 | 52,507 | 184 | 129 |
16 | 52,690 | 184 | 129 |
17 | 52,875 | 185 | 130 |
18 | 53,060 | 186 | 130 |
19 | 53,245 | 186 | 130 |
20 | 53,432 | 187 | 131 |
TOTAL | $3,619 | $2,533 |
Year | Rate 0.70% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 350 | 245 |
2 | 50,350 | 352 | 247 |
3 | 50,702 | 355 | 248 |
4 | 51,057 | 357 | 250 |
5 | 51,415 | 360 | 252 |
6 | 51,775 | 362 | 254 |
7 | 52,137 | 365 | 255 |
8 | 52,502 | 368 | 257 |
9 | 52,870 | 370 | 259 |
10 | 53,240 | 373 | 261 |
11 | 53,612 | 375 | 263 |
12 | 53,988 | 378 | 265 |
13 | 54,366 | 381 | 266 |
14 | 54,746 | 383 | 268 |
15 | 55,129 | 386 | 270 |
16 | 55,515 | 389 | 272 |
17 | 55,904 | 391 | 274 |
18 | 56,295 | 394 | 276 |
19 | 56,689 | 397 | 278 |
20 | 57,086 | 400 | 280 |
TOTAL | $7,486 | $5,240 |
Year | Rate 0.55% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 275 | 193 |
2 | 50,275 | 277 | 194 |
3 | 50,552 | 278 | 195 |
4 | 50,830 | 280 | 196 |
5 | 51,109 | 281 | 197 |
6 | 51,390 | 283 | 198 |
7 | 51,673 | 284 | 199 |
8 | 51,957 | 286 | 200 |
9 | 52,243 | 287 | 201 |
10 | 52,530 | 289 | 202 |
11 | 52,819 | 291 | 203 |
12 | 53,110 | 292 | 204 |
13 | 53,402 | 294 | 206 |
14 | 53,695 | 295 | 207 |
15 | 53,991 | 297 | 208 |
16 | 54,288 | 299 | 209 |
17 | 54,586 | 300 | 210 |
18 | 54,886 | 302 | 211 |
19 | 55,188 | 304 | 212 |
20 | 55,492 | 305 | 214 |
TOTAL | $5,797 | $4,058 |
Year | Rate 0.10% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 50 | 35 |
2 | 50,050 | 50 | 35 |
3 | 50,100 | 50 | 35 |
4 | 50,150 | 50 | 35 |
5 | 50,200 | 50 | 35 |
6 | 50,251 | 50 | 35 |
7 | 50,301 | 50 | 35 |
8 | 50,351 | 50 | 35 |
9 | 50,401 | 50 | 35 |
10 | 50,452 | 50 | 35 |
11 | 50,502 | 51 | 35 |
12 | 50,553 | 51 | 35 |
13 | 50,603 | 51 | 35 |
14 | 50,654 | 51 | 35 |
15 | 50,705 | 51 | 35 |
16 | 50,755 | 51 | 36 |
17 | 50,806 | 51 | 36 |
18 | 50,857 | 51 | 36 |
19 | 50,908 | 51 | 36 |
20 | 50,959 | 51 | 36 |
TOTAL | $1,010 | $707 |
Year | Rate 0.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 250 | 175 |
2 | 50,250 | 251 | 176 |
3 | 50,501 | 253 | 177 |
4 | 50,754 | 254 | 178 |
5 | 51,008 | 255 | 179 |
6 | 51,263 | 256 | 179 |
7 | 51,519 | 258 | 180 |
8 | 51,776 | 259 | 181 |
9 | 52,035 | 260 | 182 |
10 | 52,296 | 261 | 183 |
11 | 52,557 | 263 | 184 |
12 | 52,820 | 264 | 185 |
13 | 53,084 | 265 | 186 |
14 | 53,349 | 267 | 187 |
15 | 53,616 | 268 | 188 |
16 | 53,884 | 269 | 189 |
17 | 54,154 | 271 | 190 |
18 | 54,424 | 272 | 190 |
19 | 54,696 | 273 | 191 |
20 | 54,970 | 275 | 192 |
TOTAL | $5,245 | $3,671 |
Year | Rate 0.57% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 285 | 200 |
2 | 50,285 | 287 | 201 |
3 | 50,572 | 288 | 202 |
4 | 50,860 | 290 | 203 |
5 | 51,150 | 292 | 204 |
6 | 51,441 | 293 | 205 |
7 | 51,735 | 295 | 206 |
8 | 52,029 | 297 | 208 |
9 | 52,326 | 298 | 209 |
10 | 52,624 | 300 | 210 |
11 | 52,924 | 302 | 211 |
12 | 53,226 | 303 | 212 |
13 | 53,529 | 305 | 214 |
14 | 53,834 | 307 | 215 |
15 | 54,141 | 309 | 216 |
16 | 54,450 | 310 | 217 |
17 | 54,760 | 312 | 218 |
18 | 55,072 | 314 | 220 |
19 | 55,386 | 316 | 221 |
20 | 55,702 | 318 | 222 |
TOTAL | $6,019 | $4,214 |
Year | Rate 0.65% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 325 | 228 |
2 | 50,325 | 327 | 229 |
3 | 50,652 | 329 | 230 |
4 | 50,981 | 331 | 232 |
5 | 51,313 | 334 | 233 |
6 | 51,646 | 336 | 235 |
7 | 51,982 | 338 | 237 |
8 | 52,320 | 340 | 238 |
9 | 52,660 | 342 | 240 |
10 | 53,002 | 345 | 241 |
11 | 53,347 | 347 | 243 |
12 | 53,693 | 349 | 244 |
13 | 54,042 | 351 | 246 |
14 | 54,394 | 354 | 247 |
15 | 54,747 | 356 | 249 |
16 | 55,103 | 358 | 251 |
17 | 55,461 | 360 | 252 |
18 | 55,822 | 363 | 254 |
19 | 56,185 | 365 | 256 |
20 | 56,550 | 368 | 257 |
TOTAL | $6,917 | $4,842 |
Year | Rate 0.40% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 200 | 140 |
2 | 50,200 | 201 | 141 |
3 | 50,401 | 202 | 141 |
4 | 50,602 | 202 | 142 |
5 | 50,805 | 203 | 142 |
6 | 51,008 | 204 | 143 |
7 | 51,212 | 205 | 143 |
8 | 51,417 | 206 | 144 |
9 | 51,623 | 206 | 145 |
10 | 51,829 | 207 | 145 |
11 | 52,036 | 208 | 146 |
12 | 52,245 | 209 | 146 |
13 | 52,454 | 210 | 147 |
14 | 52,663 | 211 | 147 |
15 | 52,874 | 211 | 148 |
16 | 53,085 | 212 | 149 |
17 | 53,298 | 213 | 149 |
18 | 53,511 | 214 | 150 |
19 | 53,725 | 215 | 150 |
20 | 53,940 | 216 | 151 |
TOTAL | $4,156 | $2,909 |
Year | Rate 1.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 500 | 350 |
2 | 50,500 | 505 | 354 |
3 | 51,005 | 510 | 357 |
4 | 51,515 | 515 | 361 |
5 | 52,030 | 520 | 364 |
6 | 52,551 | 526 | 368 |
7 | 53,076 | 531 | 372 |
8 | 53,607 | 536 | 375 |
9 | 54,143 | 541 | 379 |
10 | 54,684 | 547 | 383 |
11 | 55,231 | 552 | 387 |
12 | 55,783 | 558 | 390 |
13 | 56,341 | 563 | 394 |
14 | 56,905 | 569 | 398 |
15 | 57,474 | 575 | 402 |
16 | 58,048 | 580 | 406 |
17 | 58,629 | 586 | 410 |
18 | 59,215 | 592 | 415 |
19 | 59,807 | 598 | 419 |
20 | 60,405 | 604 | 423 |
TOTAL | $11,010 | $7,707 |
Year | Rate 0.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 125 | 88 |
2 | 50,125 | 125 | 88 |
3 | 50,250 | 126 | 88 |
4 | 50,376 | 126 | 88 |
5 | 50,502 | 126 | 88 |
6 | 50,628 | 127 | 89 |
7 | 50,755 | 127 | 89 |
8 | 50,882 | 127 | 89 |
9 | 51,009 | 128 | 89 |
10 | 51,136 | 128 | 89 |
11 | 51,264 | 128 | 90 |
12 | 51,392 | 128 | 90 |
13 | 51,521 | 129 | 90 |
14 | 51,650 | 129 | 90 |
15 | 51,779 | 129 | 91 |
16 | 51,908 | 130 | 91 |
17 | 52,038 | 130 | 91 |
18 | 52,168 | 130 | 91 |
19 | 52,298 | 131 | 92 |
20 | 52,429 | 131 | 92 |
TOTAL | $2,560 | $1,792 |
Year | Rate 0.85% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 425 | 298 |
2 | 50,425 | 429 | 300 |
3 | 50,854 | 432 | 303 |
4 | 51,286 | 436 | 305 |
5 | 51,722 | 440 | 308 |
6 | 52,161 | 443 | 310 |
7 | 52,605 | 447 | 313 |
8 | 53,052 | 451 | 316 |
9 | 53,503 | 455 | 318 |
10 | 53,958 | 459 | 321 |
11 | 54,416 | 463 | 324 |
12 | 54,879 | 466 | 327 |
13 | 55,345 | 470 | 329 |
14 | 55,816 | 474 | 332 |
15 | 56,290 | 478 | 335 |
16 | 56,769 | 483 | 338 |
17 | 57,251 | 487 | 341 |
18 | 57,738 | 491 | 344 |
19 | 58,229 | 495 | 346 |
20 | 58,724 | 499 | 349 |
TOTAL | $9,223 | $6,456 |
Year | Rate 4.05% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 2,025 | 1,418 |
2 | 52,025 | 2,107 | 1,475 |
3 | 54,132 | 2,192 | 1,535 |
4 | 56,324 | 2,281 | 1,597 |
5 | 58,605 | 2,374 | 1,661 |
6 | 60,979 | 2,470 | 1,729 |
7 | 63,449 | 2,570 | 1,799 |
8 | 66,018 | 2,674 | 1,872 |
9 | 68,692 | 2,782 | 1,947 |
10 | 71,474 | 2,895 | 2,026 |
11 | 74,369 | 3,012 | 2,108 |
12 | 77,381 | 3,134 | 2,194 |
13 | 80,515 | 3,261 | 2,283 |
14 | 83,776 | 3,393 | 2,375 |
15 | 87,168 | 3,530 | 2,471 |
16 | 90,699 | 3,673 | 2,571 |
17 | 94,372 | 3,822 | 2,675 |
18 | 98,194 | 3,977 | 2,784 |
19 | 102,171 | 4,138 | 2,897 |
20 | 106,309 | 4,306 | 3,014 |
TOTAL | $60,614 | $42,430 |
Year | Rate 0.60% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 300 | 210 |
2 | 50,300 | 302 | 211 |
3 | 50,602 | 304 | 213 |
4 | 50,905 | 305 | 214 |
5 | 51,211 | 307 | 215 |
6 | 51,518 | 309 | 216 |
7 | 51,827 | 311 | 218 |
8 | 52,138 | 313 | 219 |
9 | 52,451 | 315 | 220 |
10 | 52,766 | 317 | 222 |
11 | 53,082 | 318 | 223 |
12 | 53,401 | 320 | 224 |
13 | 53,721 | 322 | 226 |
14 | 54,044 | 324 | 227 |
15 | 54,368 | 326 | 228 |
16 | 54,694 | 328 | 230 |
17 | 55,022 | 330 | 231 |
18 | 55,352 | 332 | 232 |
19 | 55,684 | 334 | 234 |
20 | 56,019 | 336 | 235 |
TOTAL | $6,355 | $4,448 |
Year | Rate 0.35% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 175 | 123 |
2 | 50,175 | 176 | 123 |
3 | 50,351 | 176 | 123 |
4 | 50,527 | 177 | 124 |
5 | 50,704 | 177 | 124 |
6 | 50,881 | 178 | 125 |
7 | 51,059 | 179 | 125 |
8 | 51,238 | 179 | 126 |
9 | 51,417 | 180 | 126 |
10 | 51,597 | 181 | 126 |
11 | 51,778 | 181 | 127 |
12 | 51,959 | 182 | 127 |
13 | 52,141 | 182 | 128 |
14 | 52,323 | 183 | 128 |
15 | 52,507 | 184 | 129 |
16 | 52,690 | 184 | 129 |
17 | 52,875 | 185 | 130 |
18 | 53,060 | 186 | 130 |
19 | 53,245 | 186 | 130 |
20 | 53,432 | 187 | 131 |
TOTAL | $3,619 | $2,533 |
Year | Rate 1.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 750 | 525 |
2 | 50,750 | 761 | 533 |
3 | 51,511 | 773 | 541 |
4 | 52,284 | 784 | 549 |
5 | 53,068 | 796 | 557 |
6 | 53,864 | 808 | 566 |
7 | 54,672 | 820 | 574 |
8 | 55,492 | 832 | 583 |
9 | 56,325 | 845 | 591 |
10 | 57,169 | 858 | 600 |
11 | 58,027 | 870 | 609 |
12 | 58,897 | 883 | 618 |
13 | 59,781 | 897 | 628 |
14 | 60,678 | 910 | 637 |
15 | 61,588 | 924 | 647 |
16 | 62,512 | 938 | 656 |
17 | 63,449 | 952 | 666 |
18 | 64,401 | 966 | 676 |
19 | 65,367 | 981 | 686 |
20 | 66,348 | 995 | 697 |
TOTAL | $17,343 | $12,140 |
All calculations are for demonstration purposes only.
ONLINE BANKS | APY? | MIN? | ||
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4.55% |
$5,000 |
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4.55% |
$1,000 |
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$500 |
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$1,500 |
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$500 |
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