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 1.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 875 | 613 |
| 2 | 50,875 | 890 | 623 |
| 3 | 51,765 | 906 | 634 |
| 4 | 52,671 | 922 | 645 |
| 5 | 53,593 | 938 | 657 |
| 6 | 54,531 | 954 | 668 |
| 7 | 55,485 | 971 | 680 |
| 8 | 56,456 | 988 | 692 |
| 9 | 57,444 | 1,005 | 704 |
| 10 | 58,449 | 1,023 | 716 |
| 11 | 59,472 | 1,041 | 729 |
| 12 | 60,513 | 1,059 | 741 |
| 13 | 61,572 | 1,078 | 754 |
| 14 | 62,649 | 1,096 | 767 |
| 15 | 63,746 | 1,116 | 781 |
| 16 | 64,861 | 1,135 | 795 |
| 17 | 65,996 | 1,155 | 808 |
| 18 | 67,151 | 1,175 | 823 |
| 19 | 68,327 | 1,196 | 837 |
| 20 | 69,522 | 1,217 | 852 |
| TOTAL | $20,739 | $14,517 |
| Year | Rate 0.45% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 225 | 158 |
| 2 | 50,225 | 226 | 158 |
| 3 | 50,451 | 227 | 159 |
| 4 | 50,678 | 228 | 160 |
| 5 | 50,906 | 229 | 160 |
| 6 | 51,135 | 230 | 161 |
| 7 | 51,365 | 231 | 162 |
| 8 | 51,596 | 232 | 163 |
| 9 | 51,829 | 233 | 163 |
| 10 | 52,062 | 234 | 164 |
| 11 | 52,296 | 235 | 165 |
| 12 | 52,531 | 236 | 165 |
| 13 | 52,768 | 237 | 166 |
| 14 | 53,005 | 239 | 167 |
| 15 | 53,244 | 240 | 168 |
| 16 | 53,483 | 241 | 168 |
| 17 | 53,724 | 242 | 169 |
| 18 | 53,966 | 243 | 170 |
| 19 | 54,209 | 244 | 171 |
| 20 | 54,453 | 245 | 172 |
| TOTAL | $4,698 | $3,288 |
| Year | Rate 3.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,500 | 1,050 |
| 2 | 51,500 | 1,545 | 1,082 |
| 3 | 53,045 | 1,591 | 1,114 |
| 4 | 54,636 | 1,639 | 1,147 |
| 5 | 56,275 | 1,688 | 1,182 |
| 6 | 57,964 | 1,739 | 1,217 |
| 7 | 59,703 | 1,791 | 1,254 |
| 8 | 61,494 | 1,845 | 1,291 |
| 9 | 63,339 | 1,900 | 1,330 |
| 10 | 65,239 | 1,957 | 1,370 |
| 11 | 67,196 | 2,016 | 1,411 |
| 12 | 69,212 | 2,076 | 1,453 |
| 13 | 71,288 | 2,139 | 1,497 |
| 14 | 73,427 | 2,203 | 1,542 |
| 15 | 75,629 | 2,269 | 1,588 |
| 16 | 77,898 | 2,337 | 1,636 |
| 17 | 80,235 | 2,407 | 1,685 |
| 18 | 82,642 | 2,479 | 1,735 |
| 19 | 85,122 | 2,554 | 1,788 |
| 20 | 87,675 | 2,630 | 1,841 |
| TOTAL | $40,306 | $28,214 |
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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|
|
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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