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 1.80% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 900 | 630 |
| 2 | 50,900 | 916 | 641 |
| 3 | 51,816 | 933 | 653 |
| 4 | 52,749 | 949 | 665 |
| 5 | 53,698 | 967 | 677 |
| 6 | 54,665 | 984 | 689 |
| 7 | 55,649 | 1,002 | 701 |
| 8 | 56,651 | 1,020 | 714 |
| 9 | 57,670 | 1,038 | 727 |
| 10 | 58,708 | 1,057 | 740 |
| 11 | 59,765 | 1,076 | 753 |
| 12 | 60,841 | 1,095 | 767 |
| 13 | 61,936 | 1,115 | 780 |
| 14 | 63,051 | 1,135 | 794 |
| 15 | 64,186 | 1,155 | 809 |
| 16 | 65,341 | 1,176 | 823 |
| 17 | 66,517 | 1,197 | 838 |
| 18 | 67,715 | 1,219 | 853 |
| 19 | 68,933 | 1,241 | 869 |
| 20 | 70,174 | 1,263 | 884 |
| TOTAL | $21,437 | $15,006 |
| Year | Rate 1.31% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 655 | 459 |
| 2 | 50,655 | 664 | 465 |
| 3 | 51,319 | 672 | 471 |
| 4 | 51,991 | 681 | 477 |
| 5 | 52,672 | 690 | 483 |
| 6 | 53,362 | 699 | 489 |
| 7 | 54,061 | 708 | 496 |
| 8 | 54,769 | 717 | 502 |
| 9 | 55,487 | 727 | 509 |
| 10 | 56,214 | 736 | 515 |
| 11 | 56,950 | 746 | 522 |
| 12 | 57,696 | 756 | 529 |
| 13 | 58,452 | 766 | 536 |
| 14 | 59,218 | 776 | 543 |
| 15 | 59,993 | 786 | 550 |
| 16 | 60,779 | 796 | 557 |
| 17 | 61,575 | 807 | 565 |
| 18 | 62,382 | 817 | 572 |
| 19 | 63,199 | 828 | 580 |
| 20 | 64,027 | 839 | 587 |
| TOTAL | $14,866 | $10,406 |
| Year | Rate 3.26% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,630 | 1,141 |
| 2 | 51,630 | 1,683 | 1,178 |
| 3 | 53,313 | 1,738 | 1,217 |
| 4 | 55,051 | 1,795 | 1,256 |
| 5 | 56,846 | 1,853 | 1,297 |
| 6 | 58,699 | 1,914 | 1,340 |
| 7 | 60,613 | 1,976 | 1,383 |
| 8 | 62,589 | 2,040 | 1,428 |
| 9 | 64,629 | 2,107 | 1,475 |
| 10 | 66,736 | 2,176 | 1,523 |
| 11 | 68,911 | 2,247 | 1,573 |
| 12 | 71,158 | 2,320 | 1,624 |
| 13 | 73,478 | 2,395 | 1,677 |
| 14 | 75,873 | 2,473 | 1,731 |
| 15 | 78,347 | 2,554 | 1,788 |
| 16 | 80,901 | 2,637 | 1,846 |
| 17 | 83,538 | 2,723 | 1,906 |
| 18 | 86,261 | 2,812 | 1,968 |
| 19 | 89,073 | 2,904 | 2,033 |
| 20 | 91,977 | 2,998 | 2,099 |
| TOTAL | $44,976 | $31,483 |
| Year | Rate 3.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,500 | 1,050 |
| 2 | 51,500 | 1,545 | 1,082 |
| 3 | 53,045 | 1,591 | 1,114 |
| 4 | 54,636 | 1,639 | 1,147 |
| 5 | 56,275 | 1,688 | 1,182 |
| 6 | 57,964 | 1,739 | 1,217 |
| 7 | 59,703 | 1,791 | 1,254 |
| 8 | 61,494 | 1,845 | 1,291 |
| 9 | 63,339 | 1,900 | 1,330 |
| 10 | 65,239 | 1,957 | 1,370 |
| 11 | 67,196 | 2,016 | 1,411 |
| 12 | 69,212 | 2,076 | 1,453 |
| 13 | 71,288 | 2,139 | 1,497 |
| 14 | 73,427 | 2,203 | 1,542 |
| 15 | 75,629 | 2,269 | 1,588 |
| 16 | 77,898 | 2,337 | 1,636 |
| 17 | 80,235 | 2,407 | 1,685 |
| 18 | 82,642 | 2,479 | 1,735 |
| 19 | 85,122 | 2,554 | 1,788 |
| 20 | 87,675 | 2,630 | 1,841 |
| TOTAL | $40,306 | $28,214 |
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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