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 1.00% |
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 1.46% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 730 | 511 |
2 | 50,730 | 741 | 518 |
3 | 51,471 | 751 | 526 |
4 | 52,222 | 762 | 534 |
5 | 52,985 | 774 | 542 |
6 | 53,758 | 785 | 549 |
7 | 54,543 | 796 | 557 |
8 | 55,339 | 808 | 566 |
9 | 56,147 | 820 | 574 |
10 | 56,967 | 832 | 582 |
11 | 57,799 | 844 | 591 |
12 | 58,643 | 856 | 599 |
13 | 59,499 | 869 | 608 |
14 | 60,367 | 881 | 617 |
15 | 61,249 | 894 | 626 |
16 | 62,143 | 907 | 635 |
17 | 63,050 | 921 | 644 |
18 | 63,971 | 934 | 654 |
19 | 64,905 | 948 | 663 |
20 | 65,853 | 961 | 673 |
TOTAL | $16,814 | $11,770 |
Year | Rate 3.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,750 | 1,225 |
2 | 51,750 | 1,811 | 1,268 |
3 | 53,561 | 1,875 | 1,312 |
4 | 55,436 | 1,940 | 1,358 |
5 | 57,376 | 2,008 | 1,406 |
6 | 59,384 | 2,078 | 1,455 |
7 | 61,463 | 2,151 | 1,506 |
8 | 63,614 | 2,226 | 1,559 |
9 | 65,840 | 2,304 | 1,613 |
10 | 68,145 | 2,385 | 1,670 |
11 | 70,530 | 2,469 | 1,728 |
12 | 72,998 | 2,555 | 1,788 |
13 | 75,553 | 2,644 | 1,851 |
14 | 78,198 | 2,737 | 1,916 |
15 | 80,935 | 2,833 | 1,983 |
16 | 83,767 | 2,932 | 2,052 |
17 | 86,699 | 3,034 | 2,124 |
18 | 89,734 | 3,141 | 2,198 |
19 | 92,874 | 3,251 | 2,275 |
20 | 96,125 | 3,364 | 2,355 |
TOTAL | $49,489 | $34,643 |
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 |
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 0.45% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 225 | 158 |
2 | 50,225 | 226 | 158 |
3 | 50,451 | 227 | 159 |
4 | 50,678 | 228 | 160 |
5 | 50,906 | 229 | 160 |
6 | 51,135 | 230 | 161 |
7 | 51,365 | 231 | 162 |
8 | 51,596 | 232 | 163 |
9 | 51,829 | 233 | 163 |
10 | 52,062 | 234 | 164 |
11 | 52,296 | 235 | 165 |
12 | 52,531 | 236 | 165 |
13 | 52,768 | 237 | 166 |
14 | 53,005 | 239 | 167 |
15 | 53,244 | 240 | 168 |
16 | 53,483 | 241 | 168 |
17 | 53,724 | 242 | 169 |
18 | 53,966 | 243 | 170 |
19 | 54,209 | 244 | 171 |
20 | 54,453 | 245 | 172 |
TOTAL | $4,698 | $3,288 |
Year | Rate 0.61% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 305 | 214 |
2 | 50,305 | 307 | 215 |
3 | 50,612 | 309 | 216 |
4 | 50,921 | 311 | 217 |
5 | 51,231 | 313 | 219 |
6 | 51,544 | 314 | 220 |
7 | 51,858 | 316 | 221 |
8 | 52,174 | 318 | 223 |
9 | 52,493 | 320 | 224 |
10 | 52,813 | 322 | 226 |
11 | 53,135 | 324 | 227 |
12 | 53,459 | 326 | 228 |
13 | 53,785 | 328 | 230 |
14 | 54,113 | 330 | 231 |
15 | 54,444 | 332 | 232 |
16 | 54,776 | 334 | 234 |
17 | 55,110 | 336 | 235 |
18 | 55,446 | 338 | 237 |
19 | 55,784 | 340 | 238 |
20 | 56,124 | 342 | 240 |
TOTAL | $6,467 | $4,527 |
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 0.99% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 495 | 347 |
2 | 50,495 | 500 | 350 |
3 | 50,995 | 505 | 353 |
4 | 51,500 | 510 | 357 |
5 | 52,010 | 515 | 360 |
6 | 52,524 | 520 | 364 |
7 | 53,044 | 525 | 368 |
8 | 53,570 | 530 | 371 |
9 | 54,100 | 536 | 375 |
10 | 54,636 | 541 | 379 |
11 | 55,176 | 546 | 382 |
12 | 55,723 | 552 | 386 |
13 | 56,274 | 557 | 390 |
14 | 56,831 | 563 | 394 |
15 | 57,394 | 568 | 398 |
16 | 57,962 | 574 | 402 |
17 | 58,536 | 580 | 406 |
18 | 59,116 | 585 | 410 |
19 | 59,701 | 591 | 414 |
20 | 60,292 | 597 | 418 |
TOTAL | $10,889 | $7,622 |
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 0.50% |
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 1.26% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 630 | 441 |
2 | 50,630 | 638 | 447 |
3 | 51,268 | 646 | 452 |
4 | 51,914 | 654 | 458 |
5 | 52,568 | 662 | 464 |
6 | 53,230 | 671 | 469 |
7 | 53,901 | 679 | 475 |
8 | 54,580 | 688 | 481 |
9 | 55,268 | 696 | 487 |
10 | 55,964 | 705 | 494 |
11 | 56,669 | 714 | 500 |
12 | 57,384 | 723 | 506 |
13 | 58,107 | 732 | 512 |
14 | 58,839 | 741 | 519 |
15 | 59,580 | 751 | 525 |
16 | 60,331 | 760 | 532 |
17 | 61,091 | 770 | 539 |
18 | 61,861 | 779 | 546 |
19 | 62,640 | 789 | 552 |
20 | 63,429 | 799 | 559 |
TOTAL | $14,229 | $9,960 |
Year | Rate 1.35% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 675 | 473 |
2 | 50,675 | 684 | 479 |
3 | 51,359 | 693 | 485 |
4 | 52,052 | 703 | 492 |
5 | 52,755 | 712 | 499 |
6 | 53,467 | 722 | 505 |
7 | 54,189 | 732 | 512 |
8 | 54,921 | 741 | 519 |
9 | 55,662 | 751 | 526 |
10 | 56,414 | 762 | 533 |
11 | 57,175 | 772 | 540 |
12 | 57,947 | 782 | 548 |
13 | 58,729 | 793 | 555 |
14 | 59,522 | 804 | 562 |
15 | 60,326 | 814 | 570 |
16 | 61,140 | 825 | 578 |
17 | 61,966 | 837 | 586 |
18 | 62,802 | 848 | 593 |
19 | 63,650 | 859 | 601 |
20 | 64,509 | 871 | 610 |
TOTAL | $15,380 | $10,766 |
Year | Rate 0.95% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 475 | 333 |
2 | 50,475 | 480 | 336 |
3 | 50,955 | 484 | 339 |
4 | 51,439 | 489 | 342 |
5 | 51,927 | 493 | 345 |
6 | 52,421 | 498 | 349 |
7 | 52,919 | 503 | 352 |
8 | 53,421 | 508 | 355 |
9 | 53,929 | 512 | 359 |
10 | 54,441 | 517 | 362 |
11 | 54,958 | 522 | 365 |
12 | 55,480 | 527 | 369 |
13 | 56,007 | 532 | 372 |
14 | 56,540 | 537 | 376 |
15 | 57,077 | 542 | 380 |
16 | 57,619 | 547 | 383 |
17 | 58,166 | 553 | 387 |
18 | 58,719 | 558 | 390 |
19 | 59,277 | 563 | 394 |
20 | 59,840 | 568 | 398 |
TOTAL | $10,408 | $7,286 |
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 0.65% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 325 | 228 |
2 | 50,325 | 327 | 229 |
3 | 50,652 | 329 | 230 |
4 | 50,981 | 331 | 232 |
5 | 51,313 | 334 | 233 |
6 | 51,646 | 336 | 235 |
7 | 51,982 | 338 | 237 |
8 | 52,320 | 340 | 238 |
9 | 52,660 | 342 | 240 |
10 | 53,002 | 345 | 241 |
11 | 53,347 | 347 | 243 |
12 | 53,693 | 349 | 244 |
13 | 54,042 | 351 | 246 |
14 | 54,394 | 354 | 247 |
15 | 54,747 | 356 | 249 |
16 | 55,103 | 358 | 251 |
17 | 55,461 | 360 | 252 |
18 | 55,822 | 363 | 254 |
19 | 56,185 | 365 | 256 |
20 | 56,550 | 368 | 257 |
TOTAL | $6,917 | $4,842 |
Year | Rate 0.75% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 375 | 263 |
2 | 50,375 | 378 | 264 |
3 | 50,753 | 381 | 266 |
4 | 51,133 | 384 | 268 |
5 | 51,517 | 386 | 270 |
6 | 51,903 | 389 | 272 |
7 | 52,293 | 392 | 275 |
8 | 52,685 | 395 | 277 |
9 | 53,080 | 398 | 279 |
10 | 53,478 | 401 | 281 |
11 | 53,879 | 404 | 283 |
12 | 54,283 | 407 | 285 |
13 | 54,690 | 410 | 287 |
14 | 55,101 | 413 | 289 |
15 | 55,514 | 416 | 291 |
16 | 55,930 | 419 | 294 |
17 | 56,350 | 423 | 296 |
18 | 56,772 | 426 | 298 |
19 | 57,198 | 429 | 300 |
20 | 57,627 | 432 | 303 |
TOTAL | $8,059 | $5,641 |
Year | Rate 0.70% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 351 | 246 |
2 | 50,351 | 353 | 247 |
3 | 50,704 | 356 | 249 |
4 | 51,060 | 358 | 251 |
5 | 51,419 | 361 | 253 |
6 | 51,780 | 363 | 254 |
7 | 52,143 | 366 | 256 |
8 | 52,509 | 369 | 258 |
9 | 52,878 | 371 | 260 |
10 | 53,249 | 374 | 262 |
11 | 53,623 | 376 | 264 |
12 | 53,999 | 379 | 265 |
13 | 54,378 | 382 | 267 |
14 | 54,760 | 384 | 269 |
15 | 55,145 | 387 | 271 |
16 | 55,532 | 390 | 273 |
17 | 55,922 | 393 | 275 |
18 | 56,314 | 395 | 277 |
19 | 56,709 | 398 | 279 |
20 | 57,108 | 401 | 281 |
TOTAL | $7,508 | $5,256 |
Year | Rate 0.60% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 300 | 210 |
2 | 50,300 | 302 | 211 |
3 | 50,602 | 304 | 213 |
4 | 50,905 | 305 | 214 |
5 | 51,211 | 307 | 215 |
6 | 51,518 | 309 | 216 |
7 | 51,827 | 311 | 218 |
8 | 52,138 | 313 | 219 |
9 | 52,451 | 315 | 220 |
10 | 52,766 | 317 | 222 |
11 | 53,082 | 318 | 223 |
12 | 53,401 | 320 | 224 |
13 | 53,721 | 322 | 226 |
14 | 54,044 | 324 | 227 |
15 | 54,368 | 326 | 228 |
16 | 54,694 | 328 | 230 |
17 | 55,022 | 330 | 231 |
18 | 55,352 | 332 | 232 |
19 | 55,684 | 334 | 234 |
20 | 56,019 | 336 | 235 |
TOTAL | $6,355 | $4,448 |
Year | Rate 4.15% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 2,075 | 1,453 |
2 | 52,075 | 2,161 | 1,513 |
3 | 54,236 | 2,251 | 1,576 |
4 | 56,487 | 2,344 | 1,641 |
5 | 58,831 | 2,441 | 1,709 |
6 | 61,273 | 2,543 | 1,780 |
7 | 63,815 | 2,648 | 1,854 |
8 | 66,464 | 2,758 | 1,931 |
9 | 69,222 | 2,873 | 2,011 |
10 | 72,095 | 2,992 | 2,094 |
11 | 75,087 | 3,116 | 2,181 |
12 | 78,203 | 3,245 | 2,272 |
13 | 81,448 | 3,380 | 2,366 |
14 | 84,828 | 3,520 | 2,464 |
15 | 88,349 | 3,666 | 2,567 |
16 | 92,015 | 3,819 | 2,673 |
17 | 95,834 | 3,977 | 2,784 |
18 | 99,811 | 4,142 | 2,900 |
19 | 103,953 | 4,314 | 3,020 |
20 | 108,267 | 4,493 | 3,145 |
TOTAL | $62,760 | $43,932 |
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 |
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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4.55% |
$1,000 |
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4.50% |
$500 |
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$1,500 |
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4.50% |
$500 |
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Last change: ↓0.50% on February 25. |