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 4.35% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,175 | 1,523 |
| 2 | 52,175 | 2,270 | 1,589 |
| 3 | 54,445 | 2,368 | 1,658 |
| 4 | 56,813 | 2,471 | 1,730 |
| 5 | 59,284 | 2,579 | 1,805 |
| 6 | 61,863 | 2,691 | 1,884 |
| 7 | 64,554 | 2,808 | 1,966 |
| 8 | 67,362 | 2,930 | 2,051 |
| 9 | 70,293 | 3,058 | 2,140 |
| 10 | 73,350 | 3,191 | 2,234 |
| 11 | 76,541 | 3,330 | 2,331 |
| 12 | 79,871 | 3,474 | 2,432 |
| 13 | 83,345 | 3,626 | 2,538 |
| 14 | 86,970 | 3,783 | 2,648 |
| 15 | 90,754 | 3,948 | 2,763 |
| 16 | 94,701 | 4,120 | 2,884 |
| 17 | 98,821 | 4,299 | 3,009 |
| 18 | 103,120 | 4,486 | 3,140 |
| 19 | 107,605 | 4,681 | 3,277 |
| 20 | 112,286 | 4,884 | 3,419 |
| TOTAL | $67,171 | $47,019 |
| Year | Rate 1.85% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 925 | 648 |
| 2 | 50,925 | 942 | 659 |
| 3 | 51,867 | 960 | 672 |
| 4 | 52,827 | 977 | 684 |
| 5 | 53,804 | 995 | 697 |
| 6 | 54,799 | 1,014 | 710 |
| 7 | 55,813 | 1,033 | 723 |
| 8 | 56,846 | 1,052 | 736 |
| 9 | 57,897 | 1,071 | 750 |
| 10 | 58,968 | 1,091 | 764 |
| 11 | 60,059 | 1,111 | 778 |
| 12 | 61,170 | 1,132 | 792 |
| 13 | 62,302 | 1,153 | 807 |
| 14 | 63,455 | 1,174 | 822 |
| 15 | 64,629 | 1,196 | 837 |
| 16 | 65,824 | 1,218 | 852 |
| 17 | 67,042 | 1,240 | 868 |
| 18 | 68,282 | 1,263 | 884 |
| 19 | 69,545 | 1,287 | 901 |
| 20 | 70,832 | 1,310 | 917 |
| TOTAL | $22,142 | $15,500 |
| 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 |
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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