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 2.05% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,025 | 718 |
| 2 | 51,025 | 1,046 | 732 |
| 3 | 52,071 | 1,067 | 747 |
| 4 | 53,138 | 1,089 | 763 |
| 5 | 54,228 | 1,112 | 778 |
| 6 | 55,339 | 1,134 | 794 |
| 7 | 56,474 | 1,158 | 810 |
| 8 | 57,632 | 1,181 | 827 |
| 9 | 58,813 | 1,206 | 844 |
| 10 | 60,019 | 1,230 | 861 |
| 11 | 61,249 | 1,256 | 879 |
| 12 | 62,505 | 1,281 | 897 |
| 13 | 63,786 | 1,308 | 915 |
| 14 | 65,094 | 1,334 | 934 |
| 15 | 66,428 | 1,362 | 953 |
| 16 | 67,790 | 1,390 | 973 |
| 17 | 69,180 | 1,418 | 993 |
| 18 | 70,598 | 1,447 | 1,013 |
| 19 | 72,045 | 1,477 | 1,034 |
| 20 | 73,522 | 1,507 | 1,055 |
| TOTAL | $25,029 | $17,520 |
| Year | Rate 4.06% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,030 | 1,421 |
| 2 | 52,030 | 2,112 | 1,479 |
| 3 | 54,142 | 2,198 | 1,539 |
| 4 | 56,341 | 2,287 | 1,601 |
| 5 | 58,628 | 2,380 | 1,666 |
| 6 | 61,008 | 2,477 | 1,734 |
| 7 | 63,485 | 2,578 | 1,804 |
| 8 | 66,063 | 2,682 | 1,878 |
| 9 | 68,745 | 2,791 | 1,954 |
| 10 | 71,536 | 2,904 | 2,033 |
| 11 | 74,440 | 3,022 | 2,116 |
| 12 | 77,463 | 3,145 | 2,201 |
| 13 | 80,608 | 3,273 | 2,291 |
| 14 | 83,880 | 3,406 | 2,384 |
| 15 | 87,286 | 3,544 | 2,481 |
| 16 | 90,830 | 3,688 | 2,581 |
| 17 | 94,517 | 3,837 | 2,686 |
| 18 | 98,355 | 3,993 | 2,795 |
| 19 | 102,348 | 4,155 | 2,909 |
| 20 | 106,503 | 4,324 | 3,027 |
| TOTAL | $60,827 | $42,579 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
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|
Last change: ↓0.16% on September 18. |
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|
|
4.20% |
$50,000 |
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Last change: ↑0.20% on December 7. |
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|
|
4.20% |
$1,000 |
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Last change: ↑0.05% on December 1. |
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|
|
4.15% |
$1,000 |
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|
Last change: ↑0.10% on December 1. |
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|
|
4.10% |
$25,000 |
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|
Last change: ↓0.15% on November 26. |
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