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 1.91% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 955 | 669 |
| 2 | 50,955 | 973 | 681 |
| 3 | 51,928 | 992 | 694 |
| 4 | 52,920 | 1,011 | 708 |
| 5 | 53,931 | 1,030 | 721 |
| 6 | 54,961 | 1,050 | 735 |
| 7 | 56,011 | 1,070 | 749 |
| 8 | 57,080 | 1,090 | 763 |
| 9 | 58,171 | 1,111 | 778 |
| 10 | 59,282 | 1,132 | 793 |
| 11 | 60,414 | 1,154 | 808 |
| 12 | 61,568 | 1,176 | 823 |
| 13 | 62,744 | 1,198 | 839 |
| 14 | 63,942 | 1,221 | 855 |
| 15 | 65,164 | 1,245 | 871 |
| 16 | 66,408 | 1,268 | 888 |
| 17 | 67,677 | 1,293 | 905 |
| 18 | 68,969 | 1,317 | 922 |
| 19 | 70,287 | 1,342 | 940 |
| 20 | 71,629 | 1,368 | 958 |
| TOTAL | $22,997 | $16,098 |
| 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 5.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,500 | 1,750 |
| 2 | 52,500 | 2,625 | 1,838 |
| 3 | 55,125 | 2,756 | 1,929 |
| 4 | 57,881 | 2,894 | 2,026 |
| 5 | 60,775 | 3,039 | 2,127 |
| 6 | 63,814 | 3,191 | 2,233 |
| 7 | 67,005 | 3,350 | 2,345 |
| 8 | 70,355 | 3,518 | 2,462 |
| 9 | 73,873 | 3,694 | 2,586 |
| 10 | 77,566 | 3,878 | 2,715 |
| 11 | 81,445 | 4,072 | 2,851 |
| 12 | 85,517 | 4,276 | 2,993 |
| 13 | 89,793 | 4,490 | 3,143 |
| 14 | 94,282 | 4,714 | 3,300 |
| 15 | 98,997 | 4,950 | 3,465 |
| 16 | 103,946 | 5,197 | 3,638 |
| 17 | 109,144 | 5,457 | 3,820 |
| 18 | 114,601 | 5,730 | 4,011 |
| 19 | 120,331 | 6,017 | 4,212 |
| 20 | 126,348 | 6,317 | 4,422 |
| TOTAL | $82,665 | $57,865 |
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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