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 0.63% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 315 | 221 |
| 2 | 50,315 | 317 | 222 |
| 3 | 50,632 | 319 | 223 |
| 4 | 50,951 | 321 | 225 |
| 5 | 51,272 | 323 | 226 |
| 6 | 51,595 | 325 | 228 |
| 7 | 51,920 | 327 | 229 |
| 8 | 52,247 | 329 | 230 |
| 9 | 52,576 | 331 | 232 |
| 10 | 52,908 | 333 | 233 |
| 11 | 53,241 | 335 | 235 |
| 12 | 53,576 | 338 | 236 |
| 13 | 53,914 | 340 | 238 |
| 14 | 54,253 | 342 | 239 |
| 15 | 54,595 | 344 | 241 |
| 16 | 54,939 | 346 | 242 |
| 17 | 55,285 | 348 | 244 |
| 18 | 55,634 | 350 | 245 |
| 19 | 55,984 | 353 | 247 |
| 20 | 56,337 | 355 | 248 |
| TOTAL | $6,692 | $4,684 |
| Year | Rate 0.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 125 | 88 |
| 2 | 50,125 | 125 | 88 |
| 3 | 50,250 | 126 | 88 |
| 4 | 50,376 | 126 | 88 |
| 5 | 50,502 | 126 | 88 |
| 6 | 50,628 | 127 | 89 |
| 7 | 50,755 | 127 | 89 |
| 8 | 50,882 | 127 | 89 |
| 9 | 51,009 | 128 | 89 |
| 10 | 51,136 | 128 | 89 |
| 11 | 51,264 | 128 | 90 |
| 12 | 51,392 | 128 | 90 |
| 13 | 51,521 | 129 | 90 |
| 14 | 51,650 | 129 | 90 |
| 15 | 51,779 | 129 | 91 |
| 16 | 51,908 | 130 | 91 |
| 17 | 52,038 | 130 | 91 |
| 18 | 52,168 | 130 | 91 |
| 19 | 52,298 | 131 | 92 |
| 20 | 52,429 | 131 | 92 |
| TOTAL | $2,560 | $1,792 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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|
|
4.20% |
$50,000 |
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|
Last change: ↑0.20% on December 7. |
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|
|
4.20% |
$1,000 |
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Last change: ↑0.05% on December 1. |
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|
|
4.15% |
$1,000 |
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|
Last change: ↑0.10% on December 1. |
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|
|
4.10% |
$25,000 |
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|
Last change: ↓0.15% on November 26. |
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