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 3.95% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,975 | 1,383 |
2 | 51,975 | 2,053 | 1,437 |
3 | 54,028 | 2,134 | 1,494 |
4 | 56,162 | 2,218 | 1,553 |
5 | 58,381 | 2,306 | 1,614 |
6 | 60,687 | 2,397 | 1,678 |
7 | 63,084 | 2,492 | 1,744 |
8 | 65,575 | 2,590 | 1,813 |
9 | 68,166 | 2,693 | 1,885 |
10 | 70,858 | 2,799 | 1,959 |
11 | 73,657 | 2,909 | 2,037 |
12 | 76,567 | 3,024 | 2,117 |
13 | 79,591 | 3,144 | 2,201 |
14 | 82,735 | 3,268 | 2,288 |
15 | 86,003 | 3,397 | 2,378 |
16 | 89,400 | 3,531 | 2,472 |
17 | 92,931 | 3,671 | 2,570 |
18 | 96,602 | 3,816 | 2,671 |
19 | 100,418 | 3,967 | 2,777 |
20 | 104,384 | 4,123 | 2,886 |
TOTAL | $58,508 | $40,955 |
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 3.75% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,875 | 1,313 |
2 | 51,875 | 1,945 | 1,362 |
3 | 53,820 | 2,018 | 1,413 |
4 | 55,839 | 2,094 | 1,466 |
5 | 57,933 | 2,172 | 1,521 |
6 | 60,105 | 2,254 | 1,578 |
7 | 62,359 | 2,338 | 1,637 |
8 | 64,697 | 2,426 | 1,698 |
9 | 67,124 | 2,517 | 1,762 |
10 | 69,641 | 2,612 | 1,828 |
11 | 72,252 | 2,709 | 1,897 |
12 | 74,962 | 2,811 | 1,968 |
13 | 77,773 | 2,916 | 2,042 |
14 | 80,689 | 3,026 | 2,118 |
15 | 83,715 | 3,139 | 2,198 |
16 | 86,854 | 3,257 | 2,280 |
17 | 90,111 | 3,379 | 2,365 |
18 | 93,491 | 3,506 | 2,454 |
19 | 96,996 | 3,637 | 2,546 |
20 | 100,634 | 3,774 | 2,642 |
TOTAL | $54,408 | $38,085 |
Year | Rate 2.75% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,375 | 963 |
2 | 51,375 | 1,413 | 989 |
3 | 52,788 | 1,452 | 1,016 |
4 | 54,239 | 1,492 | 1,044 |
5 | 55,731 | 1,533 | 1,073 |
6 | 57,264 | 1,575 | 1,102 |
7 | 58,838 | 1,618 | 1,133 |
8 | 60,456 | 1,663 | 1,164 |
9 | 62,119 | 1,708 | 1,196 |
10 | 63,827 | 1,755 | 1,229 |
11 | 65,583 | 1,804 | 1,262 |
12 | 67,386 | 1,853 | 1,297 |
13 | 69,239 | 1,904 | 1,333 |
14 | 71,143 | 1,956 | 1,370 |
15 | 73,100 | 2,010 | 1,407 |
16 | 75,110 | 2,066 | 1,446 |
17 | 77,175 | 2,122 | 1,486 |
18 | 79,298 | 2,181 | 1,526 |
19 | 81,478 | 2,241 | 1,568 |
20 | 83,719 | 2,302 | 1,612 |
TOTAL | $36,021 | $25,215 |
Year | Rate 2.75% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,375 | 963 |
2 | 51,375 | 1,413 | 989 |
3 | 52,788 | 1,452 | 1,016 |
4 | 54,239 | 1,492 | 1,044 |
5 | 55,731 | 1,533 | 1,073 |
6 | 57,264 | 1,575 | 1,102 |
7 | 58,838 | 1,618 | 1,133 |
8 | 60,456 | 1,663 | 1,164 |
9 | 62,119 | 1,708 | 1,196 |
10 | 63,827 | 1,755 | 1,229 |
11 | 65,583 | 1,804 | 1,262 |
12 | 67,386 | 1,853 | 1,297 |
13 | 69,239 | 1,904 | 1,333 |
14 | 71,143 | 1,956 | 1,370 |
15 | 73,100 | 2,010 | 1,407 |
16 | 75,110 | 2,066 | 1,446 |
17 | 77,175 | 2,122 | 1,486 |
18 | 79,298 | 2,181 | 1,526 |
19 | 81,478 | 2,241 | 1,568 |
20 | 83,719 | 2,302 | 1,612 |
TOTAL | $36,021 | $25,215 |
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 0.50% |
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 0.70% |
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 0.70% |
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 0.40% |
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 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 0.20% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 100 | 70 |
2 | 50,100 | 100 | 70 |
3 | 50,200 | 100 | 70 |
4 | 50,301 | 101 | 70 |
5 | 50,401 | 101 | 71 |
6 | 50,502 | 101 | 71 |
7 | 50,603 | 101 | 71 |
8 | 50,704 | 101 | 71 |
9 | 50,806 | 102 | 71 |
10 | 50,907 | 102 | 71 |
11 | 51,009 | 102 | 71 |
12 | 51,111 | 102 | 72 |
13 | 51,213 | 102 | 72 |
14 | 51,316 | 103 | 72 |
15 | 51,418 | 103 | 72 |
16 | 51,521 | 103 | 72 |
17 | 51,624 | 103 | 72 |
18 | 51,727 | 103 | 72 |
19 | 51,831 | 104 | 73 |
20 | 51,935 | 104 | 73 |
TOTAL | $2,038 | $1,427 |
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 0.20% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 100 | 70 |
2 | 50,100 | 100 | 70 |
3 | 50,200 | 100 | 70 |
4 | 50,301 | 101 | 70 |
5 | 50,401 | 101 | 71 |
6 | 50,502 | 101 | 71 |
7 | 50,603 | 101 | 71 |
8 | 50,704 | 101 | 71 |
9 | 50,806 | 102 | 71 |
10 | 50,907 | 102 | 71 |
11 | 51,009 | 102 | 71 |
12 | 51,111 | 102 | 72 |
13 | 51,213 | 102 | 72 |
14 | 51,316 | 103 | 72 |
15 | 51,418 | 103 | 72 |
16 | 51,521 | 103 | 72 |
17 | 51,624 | 103 | 72 |
18 | 51,727 | 103 | 72 |
19 | 51,831 | 104 | 73 |
20 | 51,935 | 104 | 73 |
TOTAL | $2,038 | $1,427 |
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 0.65% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 326 | 228 |
2 | 50,326 | 328 | 230 |
3 | 50,654 | 330 | 231 |
4 | 50,984 | 332 | 233 |
5 | 51,317 | 335 | 234 |
6 | 51,651 | 337 | 236 |
7 | 51,988 | 339 | 237 |
8 | 52,327 | 341 | 239 |
9 | 52,668 | 343 | 240 |
10 | 53,012 | 346 | 242 |
11 | 53,357 | 348 | 244 |
12 | 53,705 | 350 | 245 |
13 | 54,055 | 352 | 247 |
14 | 54,408 | 355 | 248 |
15 | 54,763 | 357 | 250 |
16 | 55,120 | 359 | 252 |
17 | 55,479 | 362 | 253 |
18 | 55,841 | 364 | 255 |
19 | 56,205 | 366 | 257 |
20 | 56,571 | 369 | 258 |
TOTAL | $6,940 | $4,858 |
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 0.57% |
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 0.54% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 270 | 189 |
2 | 50,270 | 271 | 190 |
3 | 50,541 | 273 | 191 |
4 | 50,814 | 274 | 192 |
5 | 51,089 | 276 | 193 |
6 | 51,365 | 277 | 194 |
7 | 51,642 | 279 | 195 |
8 | 51,921 | 280 | 196 |
9 | 52,201 | 282 | 197 |
10 | 52,483 | 283 | 198 |
11 | 52,767 | 285 | 199 |
12 | 53,052 | 286 | 201 |
13 | 53,338 | 288 | 202 |
14 | 53,626 | 290 | 203 |
15 | 53,916 | 291 | 204 |
16 | 54,207 | 293 | 205 |
17 | 54,499 | 294 | 206 |
18 | 54,794 | 296 | 207 |
19 | 55,090 | 297 | 208 |
20 | 55,387 | 299 | 209 |
TOTAL | $5,686 | $3,980 |
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 4.30% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 2,150 | 1,505 |
2 | 52,150 | 2,242 | 1,570 |
3 | 54,392 | 2,339 | 1,637 |
4 | 56,731 | 2,439 | 1,708 |
5 | 59,171 | 2,544 | 1,781 |
6 | 61,715 | 2,654 | 1,858 |
7 | 64,369 | 2,768 | 1,938 |
8 | 67,137 | 2,887 | 2,021 |
9 | 70,024 | 3,011 | 2,108 |
10 | 73,035 | 3,140 | 2,198 |
11 | 76,175 | 3,276 | 2,293 |
12 | 79,451 | 3,416 | 2,391 |
13 | 82,867 | 3,563 | 2,494 |
14 | 86,430 | 3,717 | 2,602 |
15 | 90,147 | 3,876 | 2,713 |
16 | 94,023 | 4,043 | 2,830 |
17 | 98,066 | 4,217 | 2,952 |
18 | 102,283 | 4,398 | 3,079 |
19 | 106,681 | 4,587 | 3,211 |
20 | 111,268 | 4,785 | 3,349 |
TOTAL | $66,053 | $46,237 |
All calculations are for demonstration purposes only.
ONLINE BANKS | APY? | MIN? | ||
---|---|---|---|---|
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4.55% |
$5,000 |
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Last change: ↑0.15% on March 22. |
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4.55% |
$1,000 |
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4.50% |
$500 |
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4.50% |
$1,500 |
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4.50% |
$500 |
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Last change: ↓0.50% on February 25. |