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 0.85% |
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 0.05% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 25 | 18 |
| 2 | 50,025 | 25 | 18 |
| 3 | 50,050 | 25 | 18 |
| 4 | 50,075 | 25 | 18 |
| 5 | 50,100 | 25 | 18 |
| 6 | 50,125 | 25 | 18 |
| 7 | 50,150 | 25 | 18 |
| 8 | 50,175 | 25 | 18 |
| 9 | 50,200 | 25 | 18 |
| 10 | 50,225 | 25 | 18 |
| 11 | 50,251 | 25 | 18 |
| 12 | 50,276 | 25 | 18 |
| 13 | 50,301 | 25 | 18 |
| 14 | 50,326 | 25 | 18 |
| 15 | 50,351 | 25 | 18 |
| 16 | 50,376 | 25 | 18 |
| 17 | 50,402 | 25 | 18 |
| 18 | 50,427 | 25 | 18 |
| 19 | 50,452 | 25 | 18 |
| 20 | 50,477 | 25 | 18 |
| TOTAL | $502 | $352 |
| Year | Rate 1.40% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 700 | 490 |
| 2 | 50,700 | 710 | 497 |
| 3 | 51,410 | 720 | 504 |
| 4 | 52,130 | 730 | 511 |
| 5 | 52,859 | 740 | 518 |
| 6 | 53,599 | 750 | 525 |
| 7 | 54,350 | 761 | 533 |
| 8 | 55,111 | 772 | 540 |
| 9 | 55,882 | 782 | 548 |
| 10 | 56,665 | 793 | 555 |
| 11 | 57,458 | 804 | 563 |
| 12 | 58,262 | 816 | 571 |
| 13 | 59,078 | 827 | 579 |
| 14 | 59,905 | 839 | 587 |
| 15 | 60,744 | 850 | 595 |
| 16 | 61,594 | 862 | 604 |
| 17 | 62,456 | 874 | 612 |
| 18 | 63,331 | 887 | 621 |
| 19 | 64,217 | 899 | 629 |
| 20 | 65,117 | 912 | 638 |
| TOTAL | $16,028 | $11,220 |
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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