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 0.40% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 200 | 140 |
| 2 | 50,200 | 201 | 141 |
| 3 | 50,401 | 202 | 141 |
| 4 | 50,602 | 202 | 142 |
| 5 | 50,805 | 203 | 142 |
| 6 | 51,008 | 204 | 143 |
| 7 | 51,212 | 205 | 143 |
| 8 | 51,417 | 206 | 144 |
| 9 | 51,623 | 206 | 145 |
| 10 | 51,829 | 207 | 145 |
| 11 | 52,036 | 208 | 146 |
| 12 | 52,245 | 209 | 146 |
| 13 | 52,454 | 210 | 147 |
| 14 | 52,663 | 211 | 147 |
| 15 | 52,874 | 211 | 148 |
| 16 | 53,085 | 212 | 149 |
| 17 | 53,298 | 213 | 149 |
| 18 | 53,511 | 214 | 150 |
| 19 | 53,725 | 215 | 150 |
| 20 | 53,940 | 216 | 151 |
| TOTAL | $4,156 | $2,909 |
| Year | Rate 0.04% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 18 | 12 |
| 2 | 50,018 | 18 | 12 |
| 3 | 50,035 | 18 | 12 |
| 4 | 50,053 | 18 | 12 |
| 5 | 50,070 | 18 | 12 |
| 6 | 50,088 | 18 | 12 |
| 7 | 50,105 | 18 | 12 |
| 8 | 50,123 | 18 | 12 |
| 9 | 50,140 | 18 | 12 |
| 10 | 50,158 | 18 | 12 |
| 11 | 50,175 | 18 | 12 |
| 12 | 50,193 | 18 | 12 |
| 13 | 50,210 | 18 | 12 |
| 14 | 50,228 | 18 | 12 |
| 15 | 50,246 | 18 | 12 |
| 16 | 50,263 | 18 | 12 |
| 17 | 50,281 | 18 | 12 |
| 18 | 50,298 | 18 | 12 |
| 19 | 50,316 | 18 | 12 |
| 20 | 50,334 | 18 | 12 |
| TOTAL | $351 | $246 |
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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|
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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. |
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