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 1.35% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 675 | 473 |
| 2 | 50,675 | 684 | 479 |
| 3 | 51,359 | 693 | 485 |
| 4 | 52,052 | 703 | 492 |
| 5 | 52,755 | 712 | 499 |
| 6 | 53,467 | 722 | 505 |
| 7 | 54,189 | 732 | 512 |
| 8 | 54,921 | 741 | 519 |
| 9 | 55,662 | 751 | 526 |
| 10 | 56,414 | 762 | 533 |
| 11 | 57,175 | 772 | 540 |
| 12 | 57,947 | 782 | 548 |
| 13 | 58,729 | 793 | 555 |
| 14 | 59,522 | 804 | 562 |
| 15 | 60,326 | 814 | 570 |
| 16 | 61,140 | 825 | 578 |
| 17 | 61,966 | 837 | 586 |
| 18 | 62,802 | 848 | 593 |
| 19 | 63,650 | 859 | 601 |
| 20 | 64,509 | 871 | 610 |
| TOTAL | $15,380 | $10,766 |
| Year | Rate 3.55% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,775 | 1,243 |
| 2 | 51,775 | 1,838 | 1,287 |
| 3 | 53,613 | 1,903 | 1,332 |
| 4 | 55,516 | 1,971 | 1,380 |
| 5 | 57,487 | 2,041 | 1,429 |
| 6 | 59,528 | 2,113 | 1,479 |
| 7 | 61,641 | 2,188 | 1,532 |
| 8 | 63,829 | 2,266 | 1,586 |
| 9 | 66,095 | 2,346 | 1,642 |
| 10 | 68,442 | 2,430 | 1,701 |
| 11 | 70,871 | 2,516 | 1,761 |
| 12 | 73,387 | 2,605 | 1,824 |
| 13 | 75,993 | 2,698 | 1,888 |
| 14 | 78,690 | 2,794 | 1,955 |
| 15 | 81,484 | 2,893 | 2,025 |
| 16 | 84,377 | 2,995 | 2,097 |
| 17 | 87,372 | 3,102 | 2,171 |
| 18 | 90,474 | 3,212 | 2,248 |
| 19 | 93,685 | 3,326 | 2,328 |
| 20 | 97,011 | 3,444 | 2,411 |
| TOTAL | $50,455 | $35,319 |
| Year | Rate 0.05% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 25 | 18 |
| 2 | 50,025 | 25 | 18 |
| 3 | 50,050 | 25 | 18 |
| 4 | 50,075 | 25 | 18 |
| 5 | 50,100 | 25 | 18 |
| 6 | 50,125 | 25 | 18 |
| 7 | 50,150 | 25 | 18 |
| 8 | 50,175 | 25 | 18 |
| 9 | 50,200 | 25 | 18 |
| 10 | 50,225 | 25 | 18 |
| 11 | 50,251 | 25 | 18 |
| 12 | 50,276 | 25 | 18 |
| 13 | 50,301 | 25 | 18 |
| 14 | 50,326 | 25 | 18 |
| 15 | 50,351 | 25 | 18 |
| 16 | 50,376 | 25 | 18 |
| 17 | 50,402 | 25 | 18 |
| 18 | 50,427 | 25 | 18 |
| 19 | 50,452 | 25 | 18 |
| 20 | 50,477 | 25 | 18 |
| TOTAL | $502 | $352 |
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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|
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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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