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 0.10% |
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 0.06% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 30 | 21 |
2 | 50,030 | 30 | 21 |
3 | 50,060 | 30 | 21 |
4 | 50,090 | 30 | 21 |
5 | 50,120 | 30 | 21 |
6 | 50,150 | 30 | 21 |
7 | 50,180 | 30 | 21 |
8 | 50,210 | 30 | 21 |
9 | 50,241 | 30 | 21 |
10 | 50,271 | 30 | 21 |
11 | 50,301 | 30 | 21 |
12 | 50,331 | 30 | 21 |
13 | 50,361 | 30 | 21 |
14 | 50,391 | 30 | 21 |
15 | 50,422 | 30 | 21 |
16 | 50,452 | 30 | 21 |
17 | 50,482 | 30 | 21 |
18 | 50,512 | 30 | 21 |
19 | 50,543 | 30 | 21 |
20 | 50,573 | 30 | 21 |
TOTAL | $603 | $422 |
Year | Rate 3.65% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,825 | 1,278 |
2 | 51,825 | 1,892 | 1,324 |
3 | 53,717 | 1,961 | 1,372 |
4 | 55,677 | 2,032 | 1,423 |
5 | 57,709 | 2,106 | 1,474 |
6 | 59,816 | 2,183 | 1,528 |
7 | 61,999 | 2,263 | 1,584 |
8 | 64,262 | 2,346 | 1,642 |
9 | 66,608 | 2,431 | 1,702 |
10 | 69,039 | 2,520 | 1,764 |
11 | 71,559 | 2,612 | 1,828 |
12 | 74,171 | 2,707 | 1,895 |
13 | 76,878 | 2,806 | 1,964 |
14 | 79,684 | 2,908 | 2,036 |
15 | 82,592 | 3,015 | 2,110 |
16 | 85,607 | 3,125 | 2,187 |
17 | 88,732 | 3,239 | 2,267 |
18 | 91,970 | 3,357 | 2,350 |
19 | 95,327 | 3,479 | 2,436 |
20 | 98,807 | 3,606 | 2,525 |
TOTAL | $52,413 | $36,689 |
Year | Rate 3.12% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,560 | 1,092 |
2 | 51,560 | 1,609 | 1,126 |
3 | 53,169 | 1,659 | 1,161 |
4 | 54,828 | 1,711 | 1,197 |
5 | 56,538 | 1,764 | 1,235 |
6 | 58,302 | 1,819 | 1,273 |
7 | 60,121 | 1,876 | 1,313 |
8 | 61,997 | 1,934 | 1,354 |
9 | 63,931 | 1,995 | 1,396 |
10 | 65,926 | 2,057 | 1,440 |
11 | 67,983 | 2,121 | 1,485 |
12 | 70,104 | 2,187 | 1,531 |
13 | 72,291 | 2,255 | 1,579 |
14 | 74,547 | 2,326 | 1,628 |
15 | 76,872 | 2,398 | 1,679 |
16 | 79,271 | 2,473 | 1,731 |
17 | 81,744 | 2,550 | 1,785 |
18 | 84,295 | 2,630 | 1,841 |
19 | 86,925 | 2,712 | 1,898 |
20 | 89,637 | 2,797 | 1,958 |
TOTAL | $42,433 | $29,703 |
Year | Rate 3.10% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,550 | 1,085 |
2 | 51,550 | 1,598 | 1,119 |
3 | 53,148 | 1,648 | 1,153 |
4 | 54,796 | 1,699 | 1,189 |
5 | 56,494 | 1,751 | 1,226 |
6 | 58,246 | 1,806 | 1,264 |
7 | 60,051 | 1,862 | 1,303 |
8 | 61,913 | 1,919 | 1,344 |
9 | 63,832 | 1,979 | 1,385 |
10 | 65,811 | 2,040 | 1,428 |
11 | 67,851 | 2,103 | 1,472 |
12 | 69,954 | 2,169 | 1,518 |
13 | 72,123 | 2,236 | 1,565 |
14 | 74,359 | 2,305 | 1,614 |
15 | 76,664 | 2,377 | 1,664 |
16 | 79,041 | 2,450 | 1,715 |
17 | 81,491 | 2,526 | 1,768 |
18 | 84,017 | 2,605 | 1,823 |
19 | 86,622 | 2,685 | 1,880 |
20 | 89,307 | 2,769 | 1,938 |
TOTAL | $42,075 | $29,453 |
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 0.15% |
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 3.65% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,825 | 1,278 |
2 | 51,825 | 1,892 | 1,324 |
3 | 53,717 | 1,961 | 1,372 |
4 | 55,677 | 2,032 | 1,423 |
5 | 57,709 | 2,106 | 1,474 |
6 | 59,816 | 2,183 | 1,528 |
7 | 61,999 | 2,263 | 1,584 |
8 | 64,262 | 2,346 | 1,642 |
9 | 66,608 | 2,431 | 1,702 |
10 | 69,039 | 2,520 | 1,764 |
11 | 71,559 | 2,612 | 1,828 |
12 | 74,171 | 2,707 | 1,895 |
13 | 76,878 | 2,806 | 1,964 |
14 | 79,684 | 2,908 | 2,036 |
15 | 82,592 | 3,015 | 2,110 |
16 | 85,607 | 3,125 | 2,187 |
17 | 88,732 | 3,239 | 2,267 |
18 | 91,970 | 3,357 | 2,350 |
19 | 95,327 | 3,479 | 2,436 |
20 | 98,807 | 3,606 | 2,525 |
TOTAL | $52,413 | $36,689 |
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 0.03% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 15 | 11 |
2 | 50,015 | 15 | 11 |
3 | 50,030 | 15 | 11 |
4 | 50,045 | 15 | 11 |
5 | 50,060 | 15 | 11 |
6 | 50,075 | 15 | 11 |
7 | 50,090 | 15 | 11 |
8 | 50,105 | 15 | 11 |
9 | 50,120 | 15 | 11 |
10 | 50,135 | 15 | 11 |
11 | 50,150 | 15 | 11 |
12 | 50,165 | 15 | 11 |
13 | 50,180 | 15 | 11 |
14 | 50,195 | 15 | 11 |
15 | 50,210 | 15 | 11 |
16 | 50,225 | 15 | 11 |
17 | 50,241 | 15 | 11 |
18 | 50,256 | 15 | 11 |
19 | 50,271 | 15 | 11 |
20 | 50,286 | 15 | 11 |
TOTAL | $301 | $211 |
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 0.75% |
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 0.85% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 425 | 298 |
2 | 50,425 | 429 | 300 |
3 | 50,854 | 432 | 303 |
4 | 51,286 | 436 | 305 |
5 | 51,722 | 440 | 308 |
6 | 52,161 | 443 | 310 |
7 | 52,605 | 447 | 313 |
8 | 53,052 | 451 | 316 |
9 | 53,503 | 455 | 318 |
10 | 53,958 | 459 | 321 |
11 | 54,416 | 463 | 324 |
12 | 54,879 | 466 | 327 |
13 | 55,345 | 470 | 329 |
14 | 55,816 | 474 | 332 |
15 | 56,290 | 478 | 335 |
16 | 56,769 | 483 | 338 |
17 | 57,251 | 487 | 341 |
18 | 57,738 | 491 | 344 |
19 | 58,229 | 495 | 346 |
20 | 58,724 | 499 | 349 |
TOTAL | $9,223 | $6,456 |
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 0.38% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 190 | 133 |
2 | 50,190 | 191 | 134 |
3 | 50,381 | 191 | 134 |
4 | 50,572 | 192 | 135 |
5 | 50,764 | 193 | 135 |
6 | 50,957 | 194 | 136 |
7 | 51,151 | 194 | 136 |
8 | 51,345 | 195 | 137 |
9 | 51,540 | 196 | 137 |
10 | 51,736 | 197 | 138 |
11 | 51,933 | 197 | 138 |
12 | 52,130 | 198 | 139 |
13 | 52,328 | 199 | 139 |
14 | 52,527 | 200 | 140 |
15 | 52,727 | 200 | 140 |
16 | 52,927 | 201 | 141 |
17 | 53,128 | 202 | 141 |
18 | 53,330 | 203 | 142 |
19 | 53,533 | 203 | 142 |
20 | 53,736 | 204 | 143 |
TOTAL | $3,940 | $2,758 |
Year | Rate 0.07% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 35 | 25 |
2 | 50,035 | 35 | 25 |
3 | 50,070 | 35 | 25 |
4 | 50,105 | 35 | 25 |
5 | 50,140 | 35 | 25 |
6 | 50,175 | 35 | 25 |
7 | 50,210 | 35 | 25 |
8 | 50,246 | 35 | 25 |
9 | 50,281 | 35 | 25 |
10 | 50,316 | 35 | 25 |
11 | 50,351 | 35 | 25 |
12 | 50,386 | 35 | 25 |
13 | 50,422 | 35 | 25 |
14 | 50,457 | 35 | 25 |
15 | 50,492 | 35 | 25 |
16 | 50,528 | 35 | 25 |
17 | 50,563 | 35 | 25 |
18 | 50,598 | 35 | 25 |
19 | 50,634 | 35 | 25 |
20 | 50,669 | 35 | 25 |
TOTAL | $705 | $493 |
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 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 1.05% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 525 | 368 |
2 | 50,525 | 531 | 371 |
3 | 51,056 | 536 | 375 |
4 | 51,592 | 542 | 379 |
5 | 52,133 | 547 | 383 |
6 | 52,681 | 553 | 387 |
7 | 53,234 | 559 | 391 |
8 | 53,793 | 565 | 395 |
9 | 54,358 | 571 | 400 |
10 | 54,928 | 577 | 404 |
11 | 55,505 | 583 | 408 |
12 | 56,088 | 589 | 412 |
13 | 56,677 | 595 | 417 |
14 | 57,272 | 601 | 421 |
15 | 57,873 | 608 | 425 |
16 | 58,481 | 614 | 430 |
17 | 59,095 | 620 | 434 |
18 | 59,716 | 627 | 439 |
19 | 60,343 | 634 | 444 |
20 | 60,976 | 640 | 448 |
TOTAL | $11,616 | $8,131 |
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 3.20% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,600 | 1,120 |
2 | 51,600 | 1,651 | 1,156 |
3 | 53,251 | 1,704 | 1,193 |
4 | 54,955 | 1,759 | 1,231 |
5 | 56,714 | 1,815 | 1,270 |
6 | 58,529 | 1,873 | 1,311 |
7 | 60,402 | 1,933 | 1,353 |
8 | 62,334 | 1,995 | 1,396 |
9 | 64,329 | 2,059 | 1,441 |
10 | 66,388 | 2,124 | 1,487 |
11 | 68,512 | 2,192 | 1,535 |
12 | 70,704 | 2,263 | 1,584 |
13 | 72,967 | 2,335 | 1,634 |
14 | 75,302 | 2,410 | 1,687 |
15 | 77,712 | 2,487 | 1,741 |
16 | 80,198 | 2,566 | 1,796 |
17 | 82,765 | 2,648 | 1,854 |
18 | 85,413 | 2,733 | 1,913 |
19 | 88,146 | 2,821 | 1,974 |
20 | 90,967 | 2,911 | 2,038 |
TOTAL | $43,878 | $30,715 |
All calculations are for demonstration purposes only.
ONLINE BANKS | APY? | MIN? | ||
---|---|---|---|---|
|
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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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% |
$500 |
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Last change: ↓0.50% on February 25. |