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 3.45% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,725 | 1,208 |
| 2 | 51,725 | 1,785 | 1,249 |
| 3 | 53,510 | 1,846 | 1,292 |
| 4 | 55,356 | 1,910 | 1,337 |
| 5 | 57,265 | 1,976 | 1,383 |
| 6 | 59,241 | 2,044 | 1,431 |
| 7 | 61,285 | 2,114 | 1,480 |
| 8 | 63,399 | 2,187 | 1,531 |
| 9 | 65,586 | 2,263 | 1,584 |
| 10 | 67,849 | 2,341 | 1,639 |
| 11 | 70,190 | 2,422 | 1,695 |
| 12 | 72,612 | 2,505 | 1,754 |
| 13 | 75,117 | 2,592 | 1,814 |
| 14 | 77,708 | 2,681 | 1,877 |
| 15 | 80,389 | 2,773 | 1,941 |
| 16 | 83,162 | 2,869 | 2,008 |
| 17 | 86,032 | 2,968 | 2,078 |
| 18 | 89,000 | 3,070 | 2,149 |
| 19 | 92,070 | 3,176 | 2,223 |
| 20 | 95,247 | 3,286 | 2,300 |
| TOTAL | $48,533 | $33,973 |
| 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 2.50% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,250 | 875 |
| 2 | 51,250 | 1,281 | 897 |
| 3 | 52,531 | 1,313 | 919 |
| 4 | 53,845 | 1,346 | 942 |
| 5 | 55,191 | 1,380 | 966 |
| 6 | 56,570 | 1,414 | 990 |
| 7 | 57,985 | 1,450 | 1,015 |
| 8 | 59,434 | 1,486 | 1,040 |
| 9 | 60,920 | 1,523 | 1,066 |
| 10 | 62,443 | 1,561 | 1,093 |
| 11 | 64,004 | 1,600 | 1,120 |
| 12 | 65,604 | 1,640 | 1,148 |
| 13 | 67,244 | 1,681 | 1,177 |
| 14 | 68,926 | 1,723 | 1,206 |
| 15 | 70,649 | 1,766 | 1,236 |
| 16 | 72,415 | 1,810 | 1,267 |
| 17 | 74,225 | 1,856 | 1,299 |
| 18 | 76,081 | 1,902 | 1,331 |
| 19 | 77,983 | 1,950 | 1,365 |
| 20 | 79,933 | 1,998 | 1,399 |
| TOTAL | $31,931 | $22,352 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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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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