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 1.70% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 850 | 595 |
| 2 | 50,850 | 864 | 605 |
| 3 | 51,714 | 879 | 615 |
| 4 | 52,594 | 894 | 626 |
| 5 | 53,488 | 909 | 637 |
| 6 | 54,397 | 925 | 647 |
| 7 | 55,322 | 940 | 658 |
| 8 | 56,262 | 956 | 670 |
| 9 | 57,219 | 973 | 681 |
| 10 | 58,191 | 989 | 692 |
| 11 | 59,181 | 1,006 | 704 |
| 12 | 60,187 | 1,023 | 716 |
| 13 | 61,210 | 1,041 | 728 |
| 14 | 62,250 | 1,058 | 741 |
| 15 | 63,309 | 1,076 | 753 |
| 16 | 64,385 | 1,095 | 766 |
| 17 | 65,479 | 1,113 | 779 |
| 18 | 66,593 | 1,132 | 792 |
| 19 | 67,725 | 1,151 | 806 |
| 20 | 68,876 | 1,171 | 820 |
| TOTAL | $20,047 | $14,033 |
| Year | Rate 2.30% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,150 | 805 |
| 2 | 51,150 | 1,176 | 824 |
| 3 | 52,326 | 1,204 | 842 |
| 4 | 53,530 | 1,231 | 862 |
| 5 | 54,761 | 1,260 | 882 |
| 6 | 56,021 | 1,288 | 902 |
| 7 | 57,309 | 1,318 | 923 |
| 8 | 58,627 | 1,348 | 944 |
| 9 | 59,976 | 1,379 | 966 |
| 10 | 61,355 | 1,411 | 988 |
| 11 | 62,766 | 1,444 | 1,011 |
| 12 | 64,210 | 1,477 | 1,034 |
| 13 | 65,687 | 1,511 | 1,058 |
| 14 | 67,198 | 1,546 | 1,082 |
| 15 | 68,743 | 1,581 | 1,107 |
| 16 | 70,324 | 1,617 | 1,132 |
| 17 | 71,942 | 1,655 | 1,158 |
| 18 | 73,596 | 1,693 | 1,185 |
| 19 | 75,289 | 1,732 | 1,212 |
| 20 | 77,021 | 1,771 | 1,240 |
| TOTAL | $28,792 | $20,154 |
| Year | Rate 2.65% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,325 | 928 |
| 2 | 51,325 | 1,360 | 952 |
| 3 | 52,685 | 1,396 | 977 |
| 4 | 54,081 | 1,433 | 1,003 |
| 5 | 55,514 | 1,471 | 1,030 |
| 6 | 56,986 | 1,510 | 1,057 |
| 7 | 58,496 | 1,550 | 1,085 |
| 8 | 60,046 | 1,591 | 1,114 |
| 9 | 61,637 | 1,633 | 1,143 |
| 10 | 63,270 | 1,677 | 1,174 |
| 11 | 64,947 | 1,721 | 1,205 |
| 12 | 66,668 | 1,767 | 1,237 |
| 13 | 68,435 | 1,814 | 1,269 |
| 14 | 70,248 | 1,862 | 1,303 |
| 15 | 72,110 | 1,911 | 1,338 |
| 16 | 74,021 | 1,962 | 1,373 |
| 17 | 75,982 | 2,014 | 1,409 |
| 18 | 77,996 | 2,067 | 1,447 |
| 19 | 80,063 | 2,122 | 1,485 |
| 20 | 82,185 | 2,178 | 1,525 |
| TOTAL | $34,362 | $24,054 |
| 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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