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 4.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,125 | 1,488 |
| 2 | 52,125 | 2,215 | 1,551 |
| 3 | 54,340 | 2,309 | 1,617 |
| 4 | 56,650 | 2,408 | 1,685 |
| 5 | 59,057 | 2,510 | 1,757 |
| 6 | 61,567 | 2,617 | 1,832 |
| 7 | 64,184 | 2,728 | 1,909 |
| 8 | 66,912 | 2,844 | 1,991 |
| 9 | 69,756 | 2,965 | 2,075 |
| 10 | 72,720 | 3,091 | 2,163 |
| 11 | 75,811 | 3,222 | 2,255 |
| 12 | 79,033 | 3,359 | 2,351 |
| 13 | 82,392 | 3,502 | 2,451 |
| 14 | 85,893 | 3,650 | 2,555 |
| 15 | 89,544 | 3,806 | 2,664 |
| 16 | 93,349 | 3,967 | 2,777 |
| 17 | 97,317 | 4,136 | 2,895 |
| 18 | 101,453 | 4,312 | 3,018 |
| 19 | 105,764 | 4,495 | 3,146 |
| 20 | 110,259 | 4,686 | 3,280 |
| TOTAL | $64,945 | $45,462 |
| Year | Rate 4.34% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,170 | 1,519 |
| 2 | 52,170 | 2,264 | 1,585 |
| 3 | 54,434 | 2,362 | 1,654 |
| 4 | 56,797 | 2,465 | 1,725 |
| 5 | 59,262 | 2,572 | 1,800 |
| 6 | 61,834 | 2,684 | 1,879 |
| 7 | 64,517 | 2,800 | 1,960 |
| 8 | 67,317 | 2,922 | 2,045 |
| 9 | 70,239 | 3,048 | 2,134 |
| 10 | 73,287 | 3,181 | 2,226 |
| 11 | 76,468 | 3,319 | 2,323 |
| 12 | 79,786 | 3,463 | 2,424 |
| 13 | 83,249 | 3,613 | 2,529 |
| 14 | 86,862 | 3,770 | 2,639 |
| 15 | 90,632 | 3,933 | 2,753 |
| 16 | 94,565 | 4,104 | 2,873 |
| 17 | 98,670 | 4,282 | 2,998 |
| 18 | 102,952 | 4,468 | 3,128 |
| 19 | 107,420 | 4,662 | 3,263 |
| 20 | 112,082 | 4,864 | 3,405 |
| TOTAL | $66,946 | $46,862 |
| Year | Rate 2.50% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,250 | 875 |
| 2 | 51,250 | 1,281 | 897 |
| 3 | 52,531 | 1,313 | 919 |
| 4 | 53,845 | 1,346 | 942 |
| 5 | 55,191 | 1,380 | 966 |
| 6 | 56,570 | 1,414 | 990 |
| 7 | 57,985 | 1,450 | 1,015 |
| 8 | 59,434 | 1,486 | 1,040 |
| 9 | 60,920 | 1,523 | 1,066 |
| 10 | 62,443 | 1,561 | 1,093 |
| 11 | 64,004 | 1,600 | 1,120 |
| 12 | 65,604 | 1,640 | 1,148 |
| 13 | 67,244 | 1,681 | 1,177 |
| 14 | 68,926 | 1,723 | 1,206 |
| 15 | 70,649 | 1,766 | 1,236 |
| 16 | 72,415 | 1,810 | 1,267 |
| 17 | 74,225 | 1,856 | 1,299 |
| 18 | 76,081 | 1,902 | 1,331 |
| 19 | 77,983 | 1,950 | 1,365 |
| 20 | 79,933 | 1,998 | 1,399 |
| TOTAL | $31,931 | $22,352 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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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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4.50% |
$1,500 |
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4.50% |
$500 |
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Last change: ↓0.50% on February 25. |
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