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 0.05% |
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 0.15% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 75 | 53 |
2 | 50,075 | 75 | 53 |
3 | 50,150 | 75 | 53 |
4 | 50,225 | 75 | 53 |
5 | 50,301 | 75 | 53 |
6 | 50,376 | 76 | 53 |
7 | 50,452 | 76 | 53 |
8 | 50,527 | 76 | 53 |
9 | 50,603 | 76 | 53 |
10 | 50,679 | 76 | 53 |
11 | 50,755 | 76 | 53 |
12 | 50,831 | 76 | 53 |
13 | 50,907 | 76 | 53 |
14 | 50,984 | 76 | 54 |
15 | 51,060 | 77 | 54 |
16 | 51,137 | 77 | 54 |
17 | 51,214 | 77 | 54 |
18 | 51,290 | 77 | 54 |
19 | 51,367 | 77 | 54 |
20 | 51,444 | 77 | 54 |
TOTAL | $1,522 | $1,065 |
Year | Rate 0.70% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 350 | 245 |
2 | 50,350 | 352 | 247 |
3 | 50,702 | 355 | 248 |
4 | 51,057 | 357 | 250 |
5 | 51,415 | 360 | 252 |
6 | 51,775 | 362 | 254 |
7 | 52,137 | 365 | 255 |
8 | 52,502 | 368 | 257 |
9 | 52,870 | 370 | 259 |
10 | 53,240 | 373 | 261 |
11 | 53,612 | 375 | 263 |
12 | 53,988 | 378 | 265 |
13 | 54,366 | 381 | 266 |
14 | 54,746 | 383 | 268 |
15 | 55,129 | 386 | 270 |
16 | 55,515 | 389 | 272 |
17 | 55,904 | 391 | 274 |
18 | 56,295 | 394 | 276 |
19 | 56,689 | 397 | 278 |
20 | 57,086 | 400 | 280 |
TOTAL | $7,486 | $5,240 |
Year | Rate 0.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 250 | 175 |
2 | 50,250 | 251 | 176 |
3 | 50,501 | 253 | 177 |
4 | 50,754 | 254 | 178 |
5 | 51,008 | 255 | 179 |
6 | 51,263 | 256 | 179 |
7 | 51,519 | 258 | 180 |
8 | 51,776 | 259 | 181 |
9 | 52,035 | 260 | 182 |
10 | 52,296 | 261 | 183 |
11 | 52,557 | 263 | 184 |
12 | 52,820 | 264 | 185 |
13 | 53,084 | 265 | 186 |
14 | 53,349 | 267 | 187 |
15 | 53,616 | 268 | 188 |
16 | 53,884 | 269 | 189 |
17 | 54,154 | 271 | 190 |
18 | 54,424 | 272 | 190 |
19 | 54,696 | 273 | 191 |
20 | 54,970 | 275 | 192 |
TOTAL | $5,245 | $3,671 |
Year | Rate 1.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 500 | 350 |
2 | 50,500 | 505 | 354 |
3 | 51,005 | 510 | 357 |
4 | 51,515 | 515 | 361 |
5 | 52,030 | 520 | 364 |
6 | 52,551 | 526 | 368 |
7 | 53,076 | 531 | 372 |
8 | 53,607 | 536 | 375 |
9 | 54,143 | 541 | 379 |
10 | 54,684 | 547 | 383 |
11 | 55,231 | 552 | 387 |
12 | 55,783 | 558 | 390 |
13 | 56,341 | 563 | 394 |
14 | 56,905 | 569 | 398 |
15 | 57,474 | 575 | 402 |
16 | 58,048 | 580 | 406 |
17 | 58,629 | 586 | 410 |
18 | 59,215 | 592 | 415 |
19 | 59,807 | 598 | 419 |
20 | 60,405 | 604 | 423 |
TOTAL | $11,010 | $7,707 |
Year | Rate 1.36% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 680 | 476 |
2 | 50,680 | 689 | 482 |
3 | 51,369 | 699 | 489 |
4 | 52,068 | 708 | 496 |
5 | 52,776 | 718 | 502 |
6 | 53,494 | 728 | 509 |
7 | 54,221 | 737 | 516 |
8 | 54,959 | 747 | 523 |
9 | 55,706 | 758 | 530 |
10 | 56,464 | 768 | 538 |
11 | 57,232 | 778 | 545 |
12 | 58,010 | 789 | 552 |
13 | 58,799 | 800 | 560 |
14 | 59,599 | 811 | 567 |
15 | 60,409 | 822 | 575 |
16 | 61,231 | 833 | 583 |
17 | 62,063 | 844 | 591 |
18 | 62,907 | 856 | 599 |
19 | 63,763 | 867 | 607 |
20 | 64,630 | 879 | 615 |
TOTAL | $15,509 | $10,856 |
Year | Rate 0.35% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 175 | 123 |
2 | 50,175 | 176 | 123 |
3 | 50,351 | 176 | 123 |
4 | 50,527 | 177 | 124 |
5 | 50,704 | 177 | 124 |
6 | 50,881 | 178 | 125 |
7 | 51,059 | 179 | 125 |
8 | 51,238 | 179 | 126 |
9 | 51,417 | 180 | 126 |
10 | 51,597 | 181 | 126 |
11 | 51,778 | 181 | 127 |
12 | 51,959 | 182 | 127 |
13 | 52,141 | 182 | 128 |
14 | 52,323 | 183 | 128 |
15 | 52,507 | 184 | 129 |
16 | 52,690 | 184 | 129 |
17 | 52,875 | 185 | 130 |
18 | 53,060 | 186 | 130 |
19 | 53,245 | 186 | 130 |
20 | 53,432 | 187 | 131 |
TOTAL | $3,619 | $2,533 |
Year | Rate 0.70% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 350 | 245 |
2 | 50,350 | 352 | 247 |
3 | 50,702 | 355 | 248 |
4 | 51,057 | 357 | 250 |
5 | 51,415 | 360 | 252 |
6 | 51,775 | 362 | 254 |
7 | 52,137 | 365 | 255 |
8 | 52,502 | 368 | 257 |
9 | 52,870 | 370 | 259 |
10 | 53,240 | 373 | 261 |
11 | 53,612 | 375 | 263 |
12 | 53,988 | 378 | 265 |
13 | 54,366 | 381 | 266 |
14 | 54,746 | 383 | 268 |
15 | 55,129 | 386 | 270 |
16 | 55,515 | 389 | 272 |
17 | 55,904 | 391 | 274 |
18 | 56,295 | 394 | 276 |
19 | 56,689 | 397 | 278 |
20 | 57,086 | 400 | 280 |
TOTAL | $7,486 | $5,240 |
Year | Rate 0.20% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 100 | 70 |
2 | 50,100 | 100 | 70 |
3 | 50,200 | 100 | 70 |
4 | 50,301 | 101 | 70 |
5 | 50,401 | 101 | 71 |
6 | 50,502 | 101 | 71 |
7 | 50,603 | 101 | 71 |
8 | 50,704 | 101 | 71 |
9 | 50,806 | 102 | 71 |
10 | 50,907 | 102 | 71 |
11 | 51,009 | 102 | 71 |
12 | 51,111 | 102 | 72 |
13 | 51,213 | 102 | 72 |
14 | 51,316 | 103 | 72 |
15 | 51,418 | 103 | 72 |
16 | 51,521 | 103 | 72 |
17 | 51,624 | 103 | 72 |
18 | 51,727 | 103 | 72 |
19 | 51,831 | 104 | 73 |
20 | 51,935 | 104 | 73 |
TOTAL | $2,038 | $1,427 |
Year | Rate 0.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 250 | 175 |
2 | 50,250 | 251 | 176 |
3 | 50,501 | 253 | 177 |
4 | 50,754 | 254 | 178 |
5 | 51,008 | 255 | 179 |
6 | 51,263 | 256 | 179 |
7 | 51,519 | 258 | 180 |
8 | 51,776 | 259 | 181 |
9 | 52,035 | 260 | 182 |
10 | 52,296 | 261 | 183 |
11 | 52,557 | 263 | 184 |
12 | 52,820 | 264 | 185 |
13 | 53,084 | 265 | 186 |
14 | 53,349 | 267 | 187 |
15 | 53,616 | 268 | 188 |
16 | 53,884 | 269 | 189 |
17 | 54,154 | 271 | 190 |
18 | 54,424 | 272 | 190 |
19 | 54,696 | 273 | 191 |
20 | 54,970 | 275 | 192 |
TOTAL | $5,245 | $3,671 |
Year | Rate 0.20% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 100 | 70 |
2 | 50,100 | 100 | 70 |
3 | 50,200 | 100 | 70 |
4 | 50,301 | 101 | 70 |
5 | 50,401 | 101 | 71 |
6 | 50,502 | 101 | 71 |
7 | 50,603 | 101 | 71 |
8 | 50,704 | 101 | 71 |
9 | 50,806 | 102 | 71 |
10 | 50,907 | 102 | 71 |
11 | 51,009 | 102 | 71 |
12 | 51,111 | 102 | 72 |
13 | 51,213 | 102 | 72 |
14 | 51,316 | 103 | 72 |
15 | 51,418 | 103 | 72 |
16 | 51,521 | 103 | 72 |
17 | 51,624 | 103 | 72 |
18 | 51,727 | 103 | 72 |
19 | 51,831 | 104 | 73 |
20 | 51,935 | 104 | 73 |
TOTAL | $2,038 | $1,427 |
Year | Rate 0.10% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 50 | 35 |
2 | 50,050 | 50 | 35 |
3 | 50,100 | 50 | 35 |
4 | 50,150 | 50 | 35 |
5 | 50,200 | 50 | 35 |
6 | 50,251 | 50 | 35 |
7 | 50,301 | 50 | 35 |
8 | 50,351 | 50 | 35 |
9 | 50,401 | 50 | 35 |
10 | 50,452 | 50 | 35 |
11 | 50,502 | 51 | 35 |
12 | 50,553 | 51 | 35 |
13 | 50,603 | 51 | 35 |
14 | 50,654 | 51 | 35 |
15 | 50,705 | 51 | 35 |
16 | 50,755 | 51 | 36 |
17 | 50,806 | 51 | 36 |
18 | 50,857 | 51 | 36 |
19 | 50,908 | 51 | 36 |
20 | 50,959 | 51 | 36 |
TOTAL | $1,010 | $707 |
Year | Rate 0.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 125 | 88 |
2 | 50,125 | 125 | 88 |
3 | 50,250 | 126 | 88 |
4 | 50,376 | 126 | 88 |
5 | 50,502 | 126 | 88 |
6 | 50,628 | 127 | 89 |
7 | 50,755 | 127 | 89 |
8 | 50,882 | 127 | 89 |
9 | 51,009 | 128 | 89 |
10 | 51,136 | 128 | 89 |
11 | 51,264 | 128 | 90 |
12 | 51,392 | 128 | 90 |
13 | 51,521 | 129 | 90 |
14 | 51,650 | 129 | 90 |
15 | 51,779 | 129 | 91 |
16 | 51,908 | 130 | 91 |
17 | 52,038 | 130 | 91 |
18 | 52,168 | 130 | 91 |
19 | 52,298 | 131 | 92 |
20 | 52,429 | 131 | 92 |
TOTAL | $2,560 | $1,792 |
Year | Rate 0.35% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 175 | 123 |
2 | 50,175 | 176 | 123 |
3 | 50,351 | 176 | 123 |
4 | 50,527 | 177 | 124 |
5 | 50,704 | 177 | 124 |
6 | 50,881 | 178 | 125 |
7 | 51,059 | 179 | 125 |
8 | 51,238 | 179 | 126 |
9 | 51,417 | 180 | 126 |
10 | 51,597 | 181 | 126 |
11 | 51,778 | 181 | 127 |
12 | 51,959 | 182 | 127 |
13 | 52,141 | 182 | 128 |
14 | 52,323 | 183 | 128 |
15 | 52,507 | 184 | 129 |
16 | 52,690 | 184 | 129 |
17 | 52,875 | 185 | 130 |
18 | 53,060 | 186 | 130 |
19 | 53,245 | 186 | 130 |
20 | 53,432 | 187 | 131 |
TOTAL | $3,619 | $2,533 |
Year | Rate 0.80% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 400 | 280 |
2 | 50,400 | 403 | 282 |
3 | 50,803 | 406 | 284 |
4 | 51,210 | 410 | 287 |
5 | 51,619 | 413 | 289 |
6 | 52,032 | 416 | 291 |
7 | 52,449 | 420 | 294 |
8 | 52,868 | 423 | 296 |
9 | 53,291 | 426 | 298 |
10 | 53,717 | 430 | 301 |
11 | 54,147 | 433 | 303 |
12 | 54,580 | 437 | 306 |
13 | 55,017 | 440 | 308 |
14 | 55,457 | 444 | 311 |
15 | 55,901 | 447 | 313 |
16 | 56,348 | 451 | 316 |
17 | 56,799 | 454 | 318 |
18 | 57,253 | 458 | 321 |
19 | 57,711 | 462 | 323 |
20 | 58,173 | 465 | 326 |
TOTAL | $8,638 | $6,047 |
Year | Rate 0.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 125 | 88 |
2 | 50,125 | 125 | 88 |
3 | 50,250 | 126 | 88 |
4 | 50,376 | 126 | 88 |
5 | 50,502 | 126 | 88 |
6 | 50,628 | 127 | 89 |
7 | 50,755 | 127 | 89 |
8 | 50,882 | 127 | 89 |
9 | 51,009 | 128 | 89 |
10 | 51,136 | 128 | 89 |
11 | 51,264 | 128 | 90 |
12 | 51,392 | 128 | 90 |
13 | 51,521 | 129 | 90 |
14 | 51,650 | 129 | 90 |
15 | 51,779 | 129 | 91 |
16 | 51,908 | 130 | 91 |
17 | 52,038 | 130 | 91 |
18 | 52,168 | 130 | 91 |
19 | 52,298 | 131 | 92 |
20 | 52,429 | 131 | 92 |
TOTAL | $2,560 | $1,792 |
Year | Rate 3.75% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,875 | 1,313 |
2 | 51,875 | 1,945 | 1,362 |
3 | 53,820 | 2,018 | 1,413 |
4 | 55,839 | 2,094 | 1,466 |
5 | 57,933 | 2,172 | 1,521 |
6 | 60,105 | 2,254 | 1,578 |
7 | 62,359 | 2,338 | 1,637 |
8 | 64,697 | 2,426 | 1,698 |
9 | 67,124 | 2,517 | 1,762 |
10 | 69,641 | 2,612 | 1,828 |
11 | 72,252 | 2,709 | 1,897 |
12 | 74,962 | 2,811 | 1,968 |
13 | 77,773 | 2,916 | 2,042 |
14 | 80,689 | 3,026 | 2,118 |
15 | 83,715 | 3,139 | 2,198 |
16 | 86,854 | 3,257 | 2,280 |
17 | 90,111 | 3,379 | 2,365 |
18 | 93,491 | 3,506 | 2,454 |
19 | 96,996 | 3,637 | 2,546 |
20 | 100,634 | 3,774 | 2,642 |
TOTAL | $54,408 | $38,085 |
Year | Rate 2.35% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,175 | 823 |
2 | 51,175 | 1,203 | 842 |
3 | 52,378 | 1,231 | 862 |
4 | 53,608 | 1,260 | 882 |
5 | 54,868 | 1,289 | 903 |
6 | 56,158 | 1,320 | 924 |
7 | 57,477 | 1,351 | 946 |
8 | 58,828 | 1,382 | 968 |
9 | 60,211 | 1,415 | 990 |
10 | 61,626 | 1,448 | 1,014 |
11 | 63,074 | 1,482 | 1,038 |
12 | 64,556 | 1,517 | 1,062 |
13 | 66,073 | 1,553 | 1,087 |
14 | 67,626 | 1,589 | 1,112 |
15 | 69,215 | 1,627 | 1,139 |
16 | 70,841 | 1,665 | 1,165 |
17 | 72,506 | 1,704 | 1,193 |
18 | 74,210 | 1,744 | 1,221 |
19 | 75,954 | 1,785 | 1,249 |
20 | 77,739 | 1,827 | 1,279 |
TOTAL | $29,566 | $20,696 |
Year | Rate 1.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 500 | 350 |
2 | 50,500 | 505 | 354 |
3 | 51,005 | 510 | 357 |
4 | 51,515 | 515 | 361 |
5 | 52,030 | 520 | 364 |
6 | 52,551 | 526 | 368 |
7 | 53,076 | 531 | 372 |
8 | 53,607 | 536 | 375 |
9 | 54,143 | 541 | 379 |
10 | 54,684 | 547 | 383 |
11 | 55,231 | 552 | 387 |
12 | 55,783 | 558 | 390 |
13 | 56,341 | 563 | 394 |
14 | 56,905 | 569 | 398 |
15 | 57,474 | 575 | 402 |
16 | 58,048 | 580 | 406 |
17 | 58,629 | 586 | 410 |
18 | 59,215 | 592 | 415 |
19 | 59,807 | 598 | 419 |
20 | 60,405 | 604 | 423 |
TOTAL | $11,010 | $7,707 |
Year | Rate 1.70% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 850 | 595 |
2 | 50,850 | 864 | 605 |
3 | 51,714 | 879 | 615 |
4 | 52,594 | 894 | 626 |
5 | 53,488 | 909 | 637 |
6 | 54,397 | 925 | 647 |
7 | 55,322 | 940 | 658 |
8 | 56,262 | 956 | 670 |
9 | 57,219 | 973 | 681 |
10 | 58,191 | 989 | 692 |
11 | 59,181 | 1,006 | 704 |
12 | 60,187 | 1,023 | 716 |
13 | 61,210 | 1,041 | 728 |
14 | 62,250 | 1,058 | 741 |
15 | 63,309 | 1,076 | 753 |
16 | 64,385 | 1,095 | 766 |
17 | 65,479 | 1,113 | 779 |
18 | 66,593 | 1,132 | 792 |
19 | 67,725 | 1,151 | 806 |
20 | 68,876 | 1,171 | 820 |
TOTAL | $20,047 | $14,033 |
Year | Rate 1.95% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 975 | 683 |
2 | 50,975 | 994 | 696 |
3 | 51,969 | 1,013 | 709 |
4 | 52,982 | 1,033 | 723 |
5 | 54,016 | 1,053 | 737 |
6 | 55,069 | 1,074 | 752 |
7 | 56,143 | 1,095 | 766 |
8 | 57,237 | 1,116 | 781 |
9 | 58,354 | 1,138 | 797 |
10 | 59,492 | 1,160 | 812 |
11 | 60,652 | 1,183 | 828 |
12 | 61,834 | 1,206 | 844 |
13 | 63,040 | 1,229 | 860 |
14 | 64,269 | 1,253 | 877 |
15 | 65,523 | 1,278 | 894 |
16 | 66,800 | 1,303 | 912 |
17 | 68,103 | 1,328 | 930 |
18 | 69,431 | 1,354 | 948 |
19 | 70,785 | 1,380 | 966 |
20 | 72,165 | 1,407 | 985 |
TOTAL | $23,572 | $16,501 |
Year | Rate 0.10% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 50 | 35 |
2 | 50,050 | 50 | 35 |
3 | 50,100 | 50 | 35 |
4 | 50,150 | 50 | 35 |
5 | 50,200 | 50 | 35 |
6 | 50,251 | 50 | 35 |
7 | 50,301 | 50 | 35 |
8 | 50,351 | 50 | 35 |
9 | 50,401 | 50 | 35 |
10 | 50,452 | 50 | 35 |
11 | 50,502 | 51 | 35 |
12 | 50,553 | 51 | 35 |
13 | 50,603 | 51 | 35 |
14 | 50,654 | 51 | 35 |
15 | 50,705 | 51 | 35 |
16 | 50,755 | 51 | 36 |
17 | 50,806 | 51 | 36 |
18 | 50,857 | 51 | 36 |
19 | 50,908 | 51 | 36 |
20 | 50,959 | 51 | 36 |
TOTAL | $1,010 | $707 |
Year | Rate 3.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,625 | 1,138 |
2 | 51,625 | 1,678 | 1,174 |
3 | 53,303 | 1,732 | 1,213 |
4 | 55,035 | 1,789 | 1,252 |
5 | 56,824 | 1,847 | 1,293 |
6 | 58,671 | 1,907 | 1,335 |
7 | 60,577 | 1,969 | 1,378 |
8 | 62,546 | 2,033 | 1,423 |
9 | 64,579 | 2,099 | 1,469 |
10 | 66,678 | 2,167 | 1,517 |
11 | 68,845 | 2,237 | 1,566 |
12 | 71,082 | 2,310 | 1,617 |
13 | 73,392 | 2,385 | 1,670 |
14 | 75,778 | 2,463 | 1,724 |
15 | 78,240 | 2,543 | 1,780 |
16 | 80,783 | 2,625 | 1,838 |
17 | 83,409 | 2,711 | 1,898 |
18 | 86,119 | 2,799 | 1,959 |
19 | 88,918 | 2,890 | 2,023 |
20 | 91,808 | 2,984 | 2,089 |
TOTAL | $44,792 | $31,354 |
All calculations are for demonstration purposes only.
ONLINE BANKS | APY? | MIN? | ||
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4.55% |
$5,000 |
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Last change: ↑0.15% on March 22. |
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$1,000 |
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$500 |
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$1,500 |
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$500 |
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Last change: ↓0.50% on February 25. |