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 0.87% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 435 | 305 |
| 2 | 50,435 | 439 | 307 |
| 3 | 50,874 | 443 | 310 |
| 4 | 51,316 | 446 | 313 |
| 5 | 51,763 | 450 | 315 |
| 6 | 52,213 | 454 | 318 |
| 7 | 52,667 | 458 | 321 |
| 8 | 53,126 | 462 | 324 |
| 9 | 53,588 | 466 | 326 |
| 10 | 54,054 | 470 | 329 |
| 11 | 54,524 | 474 | 332 |
| 12 | 54,999 | 478 | 335 |
| 13 | 55,477 | 483 | 338 |
| 14 | 55,960 | 487 | 341 |
| 15 | 56,447 | 491 | 344 |
| 16 | 56,938 | 495 | 347 |
| 17 | 57,433 | 500 | 350 |
| 18 | 57,933 | 504 | 353 |
| 19 | 58,437 | 508 | 356 |
| 20 | 58,945 | 513 | 359 |
| TOTAL | $9,458 | $6,621 |
| 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 |
| Year | Rate 1.11% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 555 | 389 |
| 2 | 50,555 | 561 | 393 |
| 3 | 51,116 | 567 | 397 |
| 4 | 51,684 | 574 | 402 |
| 5 | 52,257 | 580 | 406 |
| 6 | 52,837 | 586 | 411 |
| 7 | 53,424 | 593 | 415 |
| 8 | 54,017 | 600 | 420 |
| 9 | 54,616 | 606 | 424 |
| 10 | 55,223 | 613 | 429 |
| 11 | 55,836 | 620 | 434 |
| 12 | 56,455 | 627 | 439 |
| 13 | 57,082 | 634 | 444 |
| 14 | 57,716 | 641 | 448 |
| 15 | 58,356 | 648 | 453 |
| 16 | 59,004 | 655 | 458 |
| 17 | 59,659 | 662 | 464 |
| 18 | 60,321 | 670 | 469 |
| 19 | 60,991 | 677 | 474 |
| 20 | 61,668 | 685 | 479 |
| TOTAL | $12,352 | $8,647 |
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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