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 3.80% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,900 | 1,330 |
| 2 | 51,900 | 1,972 | 1,381 |
| 3 | 53,872 | 2,047 | 1,433 |
| 4 | 55,919 | 2,125 | 1,487 |
| 5 | 58,044 | 2,206 | 1,544 |
| 6 | 60,250 | 2,289 | 1,603 |
| 7 | 62,539 | 2,376 | 1,664 |
| 8 | 64,916 | 2,467 | 1,727 |
| 9 | 67,383 | 2,561 | 1,792 |
| 10 | 69,943 | 2,658 | 1,860 |
| 11 | 72,601 | 2,759 | 1,931 |
| 12 | 75,360 | 2,864 | 2,005 |
| 13 | 78,224 | 2,972 | 2,081 |
| 14 | 81,196 | 3,085 | 2,160 |
| 15 | 84,282 | 3,203 | 2,242 |
| 16 | 87,484 | 3,324 | 2,327 |
| 17 | 90,809 | 3,451 | 2,416 |
| 18 | 94,259 | 3,582 | 2,507 |
| 19 | 97,841 | 3,718 | 2,603 |
| 20 | 101,559 | 3,859 | 2,701 |
| TOTAL | $55,419 | $38,793 |
| Year | Rate 3.70% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,850 | 1,295 |
| 2 | 51,850 | 1,918 | 1,343 |
| 3 | 53,768 | 1,989 | 1,393 |
| 4 | 55,758 | 2,063 | 1,444 |
| 5 | 57,821 | 2,139 | 1,498 |
| 6 | 59,960 | 2,219 | 1,553 |
| 7 | 62,179 | 2,301 | 1,610 |
| 8 | 64,479 | 2,386 | 1,670 |
| 9 | 66,865 | 2,474 | 1,732 |
| 10 | 69,339 | 2,566 | 1,796 |
| 11 | 71,905 | 2,660 | 1,862 |
| 12 | 74,565 | 2,759 | 1,931 |
| 13 | 77,324 | 2,861 | 2,003 |
| 14 | 80,185 | 2,967 | 2,077 |
| 15 | 83,152 | 3,077 | 2,154 |
| 16 | 86,229 | 3,190 | 2,233 |
| 17 | 89,419 | 3,309 | 2,316 |
| 18 | 92,728 | 3,431 | 2,402 |
| 19 | 96,158 | 3,558 | 2,491 |
| 20 | 99,716 | 3,690 | 2,583 |
| TOTAL | $53,406 | $37,384 |
| Year | Rate 1.65% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 825 | 578 |
| 2 | 50,825 | 839 | 587 |
| 3 | 51,664 | 852 | 597 |
| 4 | 52,516 | 867 | 607 |
| 5 | 53,383 | 881 | 617 |
| 6 | 54,263 | 895 | 627 |
| 7 | 55,159 | 910 | 637 |
| 8 | 56,069 | 925 | 648 |
| 9 | 56,994 | 940 | 658 |
| 10 | 57,934 | 956 | 669 |
| 11 | 58,890 | 972 | 680 |
| 12 | 59,862 | 988 | 691 |
| 13 | 60,850 | 1,004 | 703 |
| 14 | 61,854 | 1,021 | 714 |
| 15 | 62,874 | 1,037 | 726 |
| 16 | 63,912 | 1,055 | 738 |
| 17 | 64,966 | 1,072 | 750 |
| 18 | 66,038 | 1,090 | 763 |
| 19 | 67,128 | 1,108 | 775 |
| 20 | 68,235 | 1,126 | 788 |
| TOTAL | $19,361 | $13,553 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
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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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% |
$500 |
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Last change: ↓0.50% on February 25. |
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