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 4.20% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,100 | 1,470 |
| 2 | 52,100 | 2,188 | 1,532 |
| 3 | 54,288 | 2,280 | 1,596 |
| 4 | 56,568 | 2,376 | 1,663 |
| 5 | 58,944 | 2,476 | 1,733 |
| 6 | 61,420 | 2,580 | 1,806 |
| 7 | 63,999 | 2,688 | 1,882 |
| 8 | 66,687 | 2,801 | 1,961 |
| 9 | 69,488 | 2,919 | 2,043 |
| 10 | 72,407 | 3,041 | 2,129 |
| 11 | 75,448 | 3,169 | 2,218 |
| 12 | 78,617 | 3,302 | 2,311 |
| 13 | 81,919 | 3,441 | 2,408 |
| 14 | 85,359 | 3,585 | 2,510 |
| 15 | 88,944 | 3,736 | 2,615 |
| 16 | 92,680 | 3,893 | 2,725 |
| 17 | 96,573 | 4,056 | 2,839 |
| 18 | 100,629 | 4,226 | 2,958 |
| 19 | 104,855 | 4,404 | 3,083 |
| 20 | 109,259 | 4,589 | 3,212 |
| TOTAL | $63,848 | $44,693 |
| Year | Rate 1.25% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 625 | 438 |
| 2 | 50,625 | 633 | 443 |
| 3 | 51,258 | 641 | 449 |
| 4 | 51,899 | 649 | 454 |
| 5 | 52,547 | 657 | 460 |
| 6 | 53,204 | 665 | 466 |
| 7 | 53,869 | 673 | 471 |
| 8 | 54,543 | 682 | 477 |
| 9 | 55,224 | 690 | 483 |
| 10 | 55,915 | 699 | 489 |
| 11 | 56,614 | 708 | 495 |
| 12 | 57,321 | 717 | 502 |
| 13 | 58,038 | 725 | 508 |
| 14 | 58,763 | 735 | 514 |
| 15 | 59,498 | 744 | 521 |
| 16 | 60,241 | 753 | 527 |
| 17 | 60,994 | 762 | 534 |
| 18 | 61,757 | 772 | 540 |
| 19 | 62,529 | 782 | 547 |
| 20 | 63,310 | 791 | 554 |
| TOTAL | $14,102 | $9,871 |
| Year | Rate 4.10% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,050 | 1,435 |
| 2 | 52,050 | 2,134 | 1,494 |
| 3 | 54,184 | 2,222 | 1,555 |
| 4 | 56,406 | 2,313 | 1,619 |
| 5 | 58,718 | 2,407 | 1,685 |
| 6 | 61,126 | 2,506 | 1,754 |
| 7 | 63,632 | 2,609 | 1,826 |
| 8 | 66,241 | 2,716 | 1,901 |
| 9 | 68,957 | 2,827 | 1,979 |
| 10 | 71,784 | 2,943 | 2,060 |
| 11 | 74,727 | 3,064 | 2,145 |
| 12 | 77,791 | 3,189 | 2,233 |
| 13 | 80,980 | 3,320 | 2,324 |
| 14 | 84,300 | 3,456 | 2,419 |
| 15 | 87,757 | 3,598 | 2,519 |
| 16 | 91,355 | 3,746 | 2,622 |
| 17 | 95,100 | 3,899 | 2,729 |
| 18 | 98,999 | 4,059 | 2,841 |
| 19 | 103,058 | 4,225 | 2,958 |
| 20 | 107,284 | 4,399 | 3,079 |
| TOTAL | $61,682 | $43,178 |
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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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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