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 3.70% |
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 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 1.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 625 | 438 |
| 2 | 50,625 | 633 | 443 |
| 3 | 51,258 | 641 | 449 |
| 4 | 51,899 | 649 | 454 |
| 5 | 52,547 | 657 | 460 |
| 6 | 53,204 | 665 | 466 |
| 7 | 53,869 | 673 | 471 |
| 8 | 54,543 | 682 | 477 |
| 9 | 55,224 | 690 | 483 |
| 10 | 55,915 | 699 | 489 |
| 11 | 56,614 | 708 | 495 |
| 12 | 57,321 | 717 | 502 |
| 13 | 58,038 | 725 | 508 |
| 14 | 58,763 | 735 | 514 |
| 15 | 59,498 | 744 | 521 |
| 16 | 60,241 | 753 | 527 |
| 17 | 60,994 | 762 | 534 |
| 18 | 61,757 | 772 | 540 |
| 19 | 62,529 | 782 | 547 |
| 20 | 63,310 | 791 | 554 |
| TOTAL | $14,102 | $9,871 |
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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