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 3.90% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,950 | 1,365 |
| 2 | 51,950 | 2,026 | 1,418 |
| 3 | 53,976 | 2,105 | 1,474 |
| 4 | 56,081 | 2,187 | 1,531 |
| 5 | 58,268 | 2,272 | 1,591 |
| 6 | 60,541 | 2,361 | 1,653 |
| 7 | 62,902 | 2,453 | 1,717 |
| 8 | 65,355 | 2,549 | 1,784 |
| 9 | 67,904 | 2,648 | 1,854 |
| 10 | 70,552 | 2,752 | 1,926 |
| 11 | 73,304 | 2,859 | 2,001 |
| 12 | 76,162 | 2,970 | 2,079 |
| 13 | 79,133 | 3,086 | 2,160 |
| 14 | 82,219 | 3,207 | 2,245 |
| 15 | 85,426 | 3,332 | 2,332 |
| 16 | 88,757 | 3,462 | 2,423 |
| 17 | 92,219 | 3,597 | 2,518 |
| 18 | 95,815 | 3,737 | 2,616 |
| 19 | 99,552 | 3,883 | 2,718 |
| 20 | 103,434 | 4,034 | 2,824 |
| TOTAL | $57,468 | $40,228 |
| Year | Rate 4.90% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,450 | 1,715 |
| 2 | 52,450 | 2,570 | 1,799 |
| 3 | 55,020 | 2,696 | 1,887 |
| 4 | 57,716 | 2,828 | 1,980 |
| 5 | 60,544 | 2,967 | 2,077 |
| 6 | 63,511 | 3,112 | 2,178 |
| 7 | 66,623 | 3,265 | 2,285 |
| 8 | 69,887 | 3,424 | 2,397 |
| 9 | 73,312 | 3,592 | 2,515 |
| 10 | 76,904 | 3,768 | 2,638 |
| 11 | 80,672 | 3,953 | 2,767 |
| 12 | 84,625 | 4,147 | 2,903 |
| 13 | 88,772 | 4,350 | 3,045 |
| 14 | 93,122 | 4,563 | 3,194 |
| 15 | 97,685 | 4,787 | 3,351 |
| 16 | 102,471 | 5,021 | 3,515 |
| 17 | 107,492 | 5,267 | 3,687 |
| 18 | 112,760 | 5,525 | 3,868 |
| 19 | 118,285 | 5,796 | 4,057 |
| 20 | 124,081 | 6,080 | 4,256 |
| TOTAL | $80,161 | $56,112 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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|
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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|
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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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