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 2.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,375 | 963 |
| 2 | 51,375 | 1,413 | 989 |
| 3 | 52,788 | 1,452 | 1,016 |
| 4 | 54,239 | 1,492 | 1,044 |
| 5 | 55,731 | 1,533 | 1,073 |
| 6 | 57,264 | 1,575 | 1,102 |
| 7 | 58,838 | 1,618 | 1,133 |
| 8 | 60,456 | 1,663 | 1,164 |
| 9 | 62,119 | 1,708 | 1,196 |
| 10 | 63,827 | 1,755 | 1,229 |
| 11 | 65,583 | 1,804 | 1,262 |
| 12 | 67,386 | 1,853 | 1,297 |
| 13 | 69,239 | 1,904 | 1,333 |
| 14 | 71,143 | 1,956 | 1,370 |
| 15 | 73,100 | 2,010 | 1,407 |
| 16 | 75,110 | 2,066 | 1,446 |
| 17 | 77,175 | 2,122 | 1,486 |
| 18 | 79,298 | 2,181 | 1,526 |
| 19 | 81,478 | 2,241 | 1,568 |
| 20 | 83,719 | 2,302 | 1,612 |
| TOTAL | $36,021 | $25,215 |
| Year | Rate 0.35% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 175 | 123 |
| 2 | 50,175 | 176 | 123 |
| 3 | 50,351 | 176 | 123 |
| 4 | 50,527 | 177 | 124 |
| 5 | 50,704 | 177 | 124 |
| 6 | 50,881 | 178 | 125 |
| 7 | 51,059 | 179 | 125 |
| 8 | 51,238 | 179 | 126 |
| 9 | 51,417 | 180 | 126 |
| 10 | 51,597 | 181 | 126 |
| 11 | 51,778 | 181 | 127 |
| 12 | 51,959 | 182 | 127 |
| 13 | 52,141 | 182 | 128 |
| 14 | 52,323 | 183 | 128 |
| 15 | 52,507 | 184 | 129 |
| 16 | 52,690 | 184 | 129 |
| 17 | 52,875 | 185 | 130 |
| 18 | 53,060 | 186 | 130 |
| 19 | 53,245 | 186 | 130 |
| 20 | 53,432 | 187 | 131 |
| TOTAL | $3,619 | $2,533 |
| Year | Rate 2.55% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,275 | 893 |
| 2 | 51,275 | 1,308 | 915 |
| 3 | 52,583 | 1,341 | 939 |
| 4 | 53,923 | 1,375 | 963 |
| 5 | 55,298 | 1,410 | 987 |
| 6 | 56,709 | 1,446 | 1,012 |
| 7 | 58,155 | 1,483 | 1,038 |
| 8 | 59,638 | 1,521 | 1,065 |
| 9 | 61,158 | 1,560 | 1,092 |
| 10 | 62,718 | 1,599 | 1,120 |
| 11 | 64,317 | 1,640 | 1,148 |
| 12 | 65,957 | 1,682 | 1,177 |
| 13 | 67,639 | 1,725 | 1,207 |
| 14 | 69,364 | 1,769 | 1,238 |
| 15 | 71,133 | 1,814 | 1,270 |
| 16 | 72,947 | 1,860 | 1,302 |
| 17 | 74,807 | 1,908 | 1,335 |
| 18 | 76,714 | 1,956 | 1,369 |
| 19 | 78,671 | 2,006 | 1,404 |
| 20 | 80,677 | 2,057 | 1,440 |
| TOTAL | $32,734 | $22,914 |
| Year | Rate 2.36% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,180 | 826 |
| 2 | 51,180 | 1,208 | 845 |
| 3 | 52,388 | 1,236 | 865 |
| 4 | 53,624 | 1,266 | 886 |
| 5 | 54,890 | 1,295 | 907 |
| 6 | 56,185 | 1,326 | 928 |
| 7 | 57,511 | 1,357 | 950 |
| 8 | 58,868 | 1,389 | 973 |
| 9 | 60,258 | 1,422 | 995 |
| 10 | 61,680 | 1,456 | 1,019 |
| 11 | 63,135 | 1,490 | 1,043 |
| 12 | 64,625 | 1,525 | 1,068 |
| 13 | 66,151 | 1,561 | 1,093 |
| 14 | 67,712 | 1,598 | 1,119 |
| 15 | 69,310 | 1,636 | 1,145 |
| 16 | 70,945 | 1,674 | 1,172 |
| 17 | 72,620 | 1,714 | 1,200 |
| 18 | 74,334 | 1,754 | 1,228 |
| 19 | 76,088 | 1,796 | 1,257 |
| 20 | 77,883 | 1,838 | 1,287 |
| TOTAL | $29,722 | $20,805 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.60% |
$1,000 |
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Last change: ↓0.50% on October 1, 2024. |
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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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