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 1.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 625 | 438 |
| 2 | 50,625 | 633 | 443 |
| 3 | 51,258 | 641 | 449 |
| 4 | 51,899 | 649 | 454 |
| 5 | 52,547 | 657 | 460 |
| 6 | 53,204 | 665 | 466 |
| 7 | 53,869 | 673 | 471 |
| 8 | 54,543 | 682 | 477 |
| 9 | 55,224 | 690 | 483 |
| 10 | 55,915 | 699 | 489 |
| 11 | 56,614 | 708 | 495 |
| 12 | 57,321 | 717 | 502 |
| 13 | 58,038 | 725 | 508 |
| 14 | 58,763 | 735 | 514 |
| 15 | 59,498 | 744 | 521 |
| 16 | 60,241 | 753 | 527 |
| 17 | 60,994 | 762 | 534 |
| 18 | 61,757 | 772 | 540 |
| 19 | 62,529 | 782 | 547 |
| 20 | 63,310 | 791 | 554 |
| TOTAL | $14,102 | $9,871 |
| Year | Rate 2.27% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,135 | 795 |
| 2 | 51,135 | 1,161 | 813 |
| 3 | 52,296 | 1,187 | 831 |
| 4 | 53,483 | 1,214 | 850 |
| 5 | 54,697 | 1,242 | 869 |
| 6 | 55,939 | 1,270 | 889 |
| 7 | 57,208 | 1,299 | 909 |
| 8 | 58,507 | 1,328 | 930 |
| 9 | 59,835 | 1,358 | 951 |
| 10 | 61,193 | 1,389 | 972 |
| 11 | 62,582 | 1,421 | 994 |
| 12 | 64,003 | 1,453 | 1,017 |
| 13 | 65,456 | 1,486 | 1,040 |
| 14 | 66,942 | 1,520 | 1,064 |
| 15 | 68,461 | 1,554 | 1,088 |
| 16 | 70,015 | 1,589 | 1,113 |
| 17 | 71,605 | 1,625 | 1,138 |
| 18 | 73,230 | 1,662 | 1,164 |
| 19 | 74,893 | 1,700 | 1,190 |
| 20 | 76,593 | 1,739 | 1,217 |
| TOTAL | $28,331 | $19,832 |
| Year | Rate 2.53% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,265 | 886 |
| 2 | 51,265 | 1,297 | 908 |
| 3 | 52,562 | 1,330 | 931 |
| 4 | 53,892 | 1,363 | 954 |
| 5 | 55,255 | 1,398 | 979 |
| 6 | 56,653 | 1,433 | 1,003 |
| 7 | 58,087 | 1,470 | 1,029 |
| 8 | 59,556 | 1,507 | 1,055 |
| 9 | 61,063 | 1,545 | 1,081 |
| 10 | 62,608 | 1,584 | 1,109 |
| 11 | 64,192 | 1,624 | 1,137 |
| 12 | 65,816 | 1,665 | 1,166 |
| 13 | 67,481 | 1,707 | 1,195 |
| 14 | 69,188 | 1,750 | 1,225 |
| 15 | 70,939 | 1,795 | 1,256 |
| 16 | 72,733 | 1,840 | 1,288 |
| 17 | 74,574 | 1,887 | 1,321 |
| 18 | 76,460 | 1,934 | 1,354 |
| 19 | 78,395 | 1,983 | 1,388 |
| 20 | 80,378 | 2,034 | 1,423 |
| TOTAL | $32,412 | $22,688 |
| 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 |
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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