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 2.70% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,350 | 945 |
| 2 | 51,350 | 1,386 | 971 |
| 3 | 52,736 | 1,424 | 997 |
| 4 | 54,160 | 1,462 | 1,024 |
| 5 | 55,623 | 1,502 | 1,051 |
| 6 | 57,124 | 1,542 | 1,080 |
| 7 | 58,667 | 1,584 | 1,109 |
| 8 | 60,251 | 1,627 | 1,139 |
| 9 | 61,878 | 1,671 | 1,169 |
| 10 | 63,548 | 1,716 | 1,201 |
| 11 | 65,264 | 1,762 | 1,233 |
| 12 | 67,026 | 1,810 | 1,267 |
| 13 | 68,836 | 1,859 | 1,301 |
| 14 | 70,695 | 1,909 | 1,336 |
| 15 | 72,603 | 1,960 | 1,372 |
| 16 | 74,564 | 2,013 | 1,409 |
| 17 | 76,577 | 2,068 | 1,447 |
| 18 | 78,644 | 2,123 | 1,486 |
| 19 | 80,768 | 2,181 | 1,527 |
| 20 | 82,948 | 2,240 | 1,568 |
| TOTAL | $35,188 | $24,632 |
| Year | Rate 2.60% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,300 | 910 |
| 2 | 51,300 | 1,334 | 934 |
| 3 | 52,634 | 1,368 | 958 |
| 4 | 54,002 | 1,404 | 983 |
| 5 | 55,406 | 1,441 | 1,008 |
| 6 | 56,847 | 1,478 | 1,035 |
| 7 | 58,325 | 1,516 | 1,062 |
| 8 | 59,841 | 1,556 | 1,089 |
| 9 | 61,397 | 1,596 | 1,117 |
| 10 | 62,994 | 1,638 | 1,146 |
| 11 | 64,631 | 1,680 | 1,176 |
| 12 | 66,312 | 1,724 | 1,207 |
| 13 | 68,036 | 1,769 | 1,238 |
| 14 | 69,805 | 1,815 | 1,270 |
| 15 | 71,620 | 1,862 | 1,303 |
| 16 | 73,482 | 1,911 | 1,337 |
| 17 | 75,392 | 1,960 | 1,372 |
| 18 | 77,353 | 2,011 | 1,408 |
| 19 | 79,364 | 2,063 | 1,444 |
| 20 | 81,427 | 2,117 | 1,482 |
| TOTAL | $33,544 | $23,481 |
| Year | Rate 2.80% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,400 | 980 |
| 2 | 51,400 | 1,439 | 1,007 |
| 3 | 52,839 | 1,479 | 1,036 |
| 4 | 54,319 | 1,521 | 1,065 |
| 5 | 55,840 | 1,564 | 1,094 |
| 6 | 57,403 | 1,607 | 1,125 |
| 7 | 59,010 | 1,652 | 1,157 |
| 8 | 60,663 | 1,699 | 1,189 |
| 9 | 62,361 | 1,746 | 1,222 |
| 10 | 64,107 | 1,795 | 1,257 |
| 11 | 65,902 | 1,845 | 1,292 |
| 12 | 67,748 | 1,897 | 1,328 |
| 13 | 69,645 | 1,950 | 1,365 |
| 14 | 71,595 | 2,005 | 1,403 |
| 15 | 73,599 | 2,061 | 1,443 |
| 16 | 75,660 | 2,118 | 1,483 |
| 17 | 77,779 | 2,178 | 1,524 |
| 18 | 79,956 | 2,239 | 1,567 |
| 19 | 82,195 | 2,301 | 1,611 |
| 20 | 84,497 | 2,366 | 1,656 |
| TOTAL | $36,862 | $25,804 |
| Year | Rate 0.95% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 475 | 333 |
| 2 | 50,475 | 480 | 336 |
| 3 | 50,955 | 484 | 339 |
| 4 | 51,439 | 489 | 342 |
| 5 | 51,927 | 493 | 345 |
| 6 | 52,421 | 498 | 349 |
| 7 | 52,919 | 503 | 352 |
| 8 | 53,421 | 508 | 355 |
| 9 | 53,929 | 512 | 359 |
| 10 | 54,441 | 517 | 362 |
| 11 | 54,958 | 522 | 365 |
| 12 | 55,480 | 527 | 369 |
| 13 | 56,007 | 532 | 372 |
| 14 | 56,540 | 537 | 376 |
| 15 | 57,077 | 542 | 380 |
| 16 | 57,619 | 547 | 383 |
| 17 | 58,166 | 553 | 387 |
| 18 | 58,719 | 558 | 390 |
| 19 | 59,277 | 563 | 394 |
| 20 | 59,840 | 568 | 398 |
| TOTAL | $10,408 | $7,286 |
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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