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 0.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 125 | 88 |
2 | 50,125 | 125 | 88 |
3 | 50,250 | 126 | 88 |
4 | 50,376 | 126 | 88 |
5 | 50,502 | 126 | 88 |
6 | 50,628 | 127 | 89 |
7 | 50,755 | 127 | 89 |
8 | 50,882 | 127 | 89 |
9 | 51,009 | 128 | 89 |
10 | 51,136 | 128 | 89 |
11 | 51,264 | 128 | 90 |
12 | 51,392 | 128 | 90 |
13 | 51,521 | 129 | 90 |
14 | 51,650 | 129 | 90 |
15 | 51,779 | 129 | 91 |
16 | 51,908 | 130 | 91 |
17 | 52,038 | 130 | 91 |
18 | 52,168 | 130 | 91 |
19 | 52,298 | 131 | 92 |
20 | 52,429 | 131 | 92 |
TOTAL | $2,560 | $1,792 |
Year | Rate 0.35% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 175 | 123 |
2 | 50,175 | 176 | 123 |
3 | 50,351 | 176 | 123 |
4 | 50,527 | 177 | 124 |
5 | 50,704 | 177 | 124 |
6 | 50,881 | 178 | 125 |
7 | 51,059 | 179 | 125 |
8 | 51,238 | 179 | 126 |
9 | 51,417 | 180 | 126 |
10 | 51,597 | 181 | 126 |
11 | 51,778 | 181 | 127 |
12 | 51,959 | 182 | 127 |
13 | 52,141 | 182 | 128 |
14 | 52,323 | 183 | 128 |
15 | 52,507 | 184 | 129 |
16 | 52,690 | 184 | 129 |
17 | 52,875 | 185 | 130 |
18 | 53,060 | 186 | 130 |
19 | 53,245 | 186 | 130 |
20 | 53,432 | 187 | 131 |
TOTAL | $3,619 | $2,533 |
Year | Rate 0.30% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 150 | 105 |
2 | 50,150 | 150 | 105 |
3 | 50,300 | 151 | 106 |
4 | 50,451 | 151 | 106 |
5 | 50,603 | 152 | 106 |
6 | 50,755 | 152 | 107 |
7 | 50,907 | 153 | 107 |
8 | 51,059 | 153 | 107 |
9 | 51,213 | 154 | 108 |
10 | 51,366 | 154 | 108 |
11 | 51,520 | 155 | 108 |
12 | 51,675 | 155 | 109 |
13 | 51,830 | 155 | 109 |
14 | 51,985 | 156 | 109 |
15 | 52,141 | 156 | 109 |
16 | 52,298 | 157 | 110 |
17 | 52,455 | 157 | 110 |
18 | 52,612 | 158 | 110 |
19 | 52,770 | 158 | 111 |
20 | 52,928 | 159 | 111 |
TOTAL | $3,087 | $2,161 |
Year | Rate 0.15% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 75 | 53 |
2 | 50,075 | 75 | 53 |
3 | 50,150 | 75 | 53 |
4 | 50,225 | 75 | 53 |
5 | 50,301 | 75 | 53 |
6 | 50,376 | 76 | 53 |
7 | 50,452 | 76 | 53 |
8 | 50,527 | 76 | 53 |
9 | 50,603 | 76 | 53 |
10 | 50,679 | 76 | 53 |
11 | 50,755 | 76 | 53 |
12 | 50,831 | 76 | 53 |
13 | 50,907 | 76 | 53 |
14 | 50,984 | 76 | 54 |
15 | 51,060 | 77 | 54 |
16 | 51,137 | 77 | 54 |
17 | 51,214 | 77 | 54 |
18 | 51,290 | 77 | 54 |
19 | 51,367 | 77 | 54 |
20 | 51,444 | 77 | 54 |
TOTAL | $1,522 | $1,065 |
Year | Rate 0.45% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 226 | 158 |
2 | 50,226 | 227 | 159 |
3 | 50,452 | 228 | 159 |
4 | 50,680 | 229 | 160 |
5 | 50,908 | 230 | 161 |
6 | 51,138 | 231 | 161 |
7 | 51,368 | 232 | 162 |
8 | 51,600 | 233 | 163 |
9 | 51,833 | 234 | 164 |
10 | 52,067 | 235 | 164 |
11 | 52,301 | 236 | 165 |
12 | 52,537 | 237 | 166 |
13 | 52,774 | 238 | 167 |
14 | 53,012 | 239 | 167 |
15 | 53,251 | 240 | 168 |
16 | 53,491 | 241 | 169 |
17 | 53,733 | 242 | 170 |
18 | 53,975 | 243 | 170 |
19 | 54,218 | 245 | 171 |
20 | 54,463 | 246 | 172 |
TOTAL | $4,709 | $3,296 |
Year | Rate 0.30% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 150 | 105 |
2 | 50,150 | 150 | 105 |
3 | 50,300 | 151 | 106 |
4 | 50,451 | 151 | 106 |
5 | 50,603 | 152 | 106 |
6 | 50,755 | 152 | 107 |
7 | 50,907 | 153 | 107 |
8 | 51,059 | 153 | 107 |
9 | 51,213 | 154 | 108 |
10 | 51,366 | 154 | 108 |
11 | 51,520 | 155 | 108 |
12 | 51,675 | 155 | 109 |
13 | 51,830 | 155 | 109 |
14 | 51,985 | 156 | 109 |
15 | 52,141 | 156 | 109 |
16 | 52,298 | 157 | 110 |
17 | 52,455 | 157 | 110 |
18 | 52,612 | 158 | 110 |
19 | 52,770 | 158 | 111 |
20 | 52,928 | 159 | 111 |
TOTAL | $3,087 | $2,161 |
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 1.30% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 650 | 455 |
2 | 50,650 | 658 | 461 |
3 | 51,308 | 667 | 467 |
4 | 51,975 | 676 | 473 |
5 | 52,651 | 684 | 479 |
6 | 53,336 | 693 | 485 |
7 | 54,029 | 702 | 492 |
8 | 54,731 | 712 | 498 |
9 | 55,443 | 721 | 505 |
10 | 56,164 | 730 | 511 |
11 | 56,894 | 740 | 518 |
12 | 57,633 | 749 | 524 |
13 | 58,383 | 759 | 531 |
14 | 59,142 | 769 | 538 |
15 | 59,910 | 779 | 545 |
16 | 60,689 | 789 | 552 |
17 | 61,478 | 799 | 559 |
18 | 62,277 | 810 | 567 |
19 | 63,087 | 820 | 574 |
20 | 63,907 | 831 | 582 |
TOTAL | $14,738 | $10,317 |
Year | Rate 1.75% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 875 | 613 |
2 | 50,875 | 890 | 623 |
3 | 51,765 | 906 | 634 |
4 | 52,671 | 922 | 645 |
5 | 53,593 | 938 | 657 |
6 | 54,531 | 954 | 668 |
7 | 55,485 | 971 | 680 |
8 | 56,456 | 988 | 692 |
9 | 57,444 | 1,005 | 704 |
10 | 58,449 | 1,023 | 716 |
11 | 59,472 | 1,041 | 729 |
12 | 60,513 | 1,059 | 741 |
13 | 61,572 | 1,078 | 754 |
14 | 62,649 | 1,096 | 767 |
15 | 63,746 | 1,116 | 781 |
16 | 64,861 | 1,135 | 795 |
17 | 65,996 | 1,155 | 808 |
18 | 67,151 | 1,175 | 823 |
19 | 68,327 | 1,196 | 837 |
20 | 69,522 | 1,217 | 852 |
TOTAL | $20,739 | $14,517 |
Year | Rate 0.40% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 200 | 140 |
2 | 50,200 | 201 | 141 |
3 | 50,401 | 202 | 141 |
4 | 50,602 | 202 | 142 |
5 | 50,805 | 203 | 142 |
6 | 51,008 | 204 | 143 |
7 | 51,212 | 205 | 143 |
8 | 51,417 | 206 | 144 |
9 | 51,623 | 206 | 145 |
10 | 51,829 | 207 | 145 |
11 | 52,036 | 208 | 146 |
12 | 52,245 | 209 | 146 |
13 | 52,454 | 210 | 147 |
14 | 52,663 | 211 | 147 |
15 | 52,874 | 211 | 148 |
16 | 53,085 | 212 | 149 |
17 | 53,298 | 213 | 149 |
18 | 53,511 | 214 | 150 |
19 | 53,725 | 215 | 150 |
20 | 53,940 | 216 | 151 |
TOTAL | $4,156 | $2,909 |
Year | Rate 0.10% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 50 | 35 |
2 | 50,050 | 50 | 35 |
3 | 50,100 | 50 | 35 |
4 | 50,150 | 50 | 35 |
5 | 50,200 | 50 | 35 |
6 | 50,251 | 50 | 35 |
7 | 50,301 | 50 | 35 |
8 | 50,351 | 50 | 35 |
9 | 50,401 | 50 | 35 |
10 | 50,452 | 50 | 35 |
11 | 50,502 | 51 | 35 |
12 | 50,553 | 51 | 35 |
13 | 50,603 | 51 | 35 |
14 | 50,654 | 51 | 35 |
15 | 50,705 | 51 | 35 |
16 | 50,755 | 51 | 36 |
17 | 50,806 | 51 | 36 |
18 | 50,857 | 51 | 36 |
19 | 50,908 | 51 | 36 |
20 | 50,959 | 51 | 36 |
TOTAL | $1,010 | $707 |
Year | Rate 0.80% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 400 | 280 |
2 | 50,400 | 403 | 282 |
3 | 50,803 | 406 | 284 |
4 | 51,210 | 410 | 287 |
5 | 51,619 | 413 | 289 |
6 | 52,032 | 416 | 291 |
7 | 52,449 | 420 | 294 |
8 | 52,868 | 423 | 296 |
9 | 53,291 | 426 | 298 |
10 | 53,717 | 430 | 301 |
11 | 54,147 | 433 | 303 |
12 | 54,580 | 437 | 306 |
13 | 55,017 | 440 | 308 |
14 | 55,457 | 444 | 311 |
15 | 55,901 | 447 | 313 |
16 | 56,348 | 451 | 316 |
17 | 56,799 | 454 | 318 |
18 | 57,253 | 458 | 321 |
19 | 57,711 | 462 | 323 |
20 | 58,173 | 465 | 326 |
TOTAL | $8,638 | $6,047 |
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 0.90% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 450 | 315 |
2 | 50,450 | 454 | 318 |
3 | 50,904 | 458 | 321 |
4 | 51,362 | 462 | 324 |
5 | 51,824 | 466 | 326 |
6 | 52,291 | 471 | 329 |
7 | 52,761 | 475 | 332 |
8 | 53,236 | 479 | 335 |
9 | 53,715 | 483 | 338 |
10 | 54,199 | 488 | 341 |
11 | 54,687 | 492 | 345 |
12 | 55,179 | 497 | 348 |
13 | 55,675 | 501 | 351 |
14 | 56,177 | 506 | 354 |
15 | 56,682 | 510 | 357 |
16 | 57,192 | 515 | 360 |
17 | 57,707 | 519 | 364 |
18 | 58,226 | 524 | 367 |
19 | 58,750 | 529 | 370 |
20 | 59,279 | 534 | 373 |
TOTAL | $9,813 | $6,869 |
Year | Rate 4.73% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 2,365 | 1,656 |
2 | 52,365 | 2,477 | 1,734 |
3 | 54,842 | 2,594 | 1,816 |
4 | 57,436 | 2,717 | 1,902 |
5 | 60,153 | 2,845 | 1,992 |
6 | 62,998 | 2,980 | 2,086 |
7 | 65,978 | 3,121 | 2,185 |
8 | 69,098 | 3,268 | 2,288 |
9 | 72,367 | 3,423 | 2,396 |
10 | 75,790 | 3,585 | 2,509 |
11 | 79,375 | 3,754 | 2,628 |
12 | 83,129 | 3,932 | 2,752 |
13 | 87,061 | 4,118 | 2,883 |
14 | 91,179 | 4,313 | 3,019 |
15 | 95,492 | 4,517 | 3,162 |
16 | 100,008 | 4,730 | 3,311 |
17 | 104,739 | 4,954 | 3,468 |
18 | 109,693 | 5,188 | 3,632 |
19 | 114,881 | 5,434 | 3,804 |
20 | 120,315 | 5,691 | 3,984 |
TOTAL | $76,006 | $53,204 |
Year | Rate 0.46% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 230 | 161 |
2 | 50,230 | 231 | 162 |
3 | 50,461 | 232 | 162 |
4 | 50,693 | 233 | 163 |
5 | 50,926 | 234 | 164 |
6 | 51,161 | 235 | 165 |
7 | 51,396 | 236 | 165 |
8 | 51,632 | 238 | 166 |
9 | 51,870 | 239 | 167 |
10 | 52,108 | 240 | 168 |
11 | 52,348 | 241 | 169 |
12 | 52,589 | 242 | 169 |
13 | 52,831 | 243 | 170 |
14 | 53,074 | 244 | 171 |
15 | 53,318 | 245 | 172 |
16 | 53,563 | 246 | 172 |
17 | 53,810 | 248 | 173 |
18 | 54,057 | 249 | 174 |
19 | 54,306 | 250 | 175 |
20 | 54,556 | 251 | 176 |
TOTAL | $4,807 | $3,365 |
Year | Rate 0.40% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 200 | 140 |
2 | 50,200 | 201 | 141 |
3 | 50,401 | 202 | 141 |
4 | 50,602 | 202 | 142 |
5 | 50,805 | 203 | 142 |
6 | 51,008 | 204 | 143 |
7 | 51,212 | 205 | 143 |
8 | 51,417 | 206 | 144 |
9 | 51,623 | 206 | 145 |
10 | 51,829 | 207 | 145 |
11 | 52,036 | 208 | 146 |
12 | 52,245 | 209 | 146 |
13 | 52,454 | 210 | 147 |
14 | 52,663 | 211 | 147 |
15 | 52,874 | 211 | 148 |
16 | 53,085 | 212 | 149 |
17 | 53,298 | 213 | 149 |
18 | 53,511 | 214 | 150 |
19 | 53,725 | 215 | 150 |
20 | 53,940 | 216 | 151 |
TOTAL | $4,156 | $2,909 |
Year | Rate 0.40% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 200 | 140 |
2 | 50,200 | 201 | 141 |
3 | 50,401 | 202 | 141 |
4 | 50,602 | 202 | 142 |
5 | 50,805 | 203 | 142 |
6 | 51,008 | 204 | 143 |
7 | 51,212 | 205 | 143 |
8 | 51,417 | 206 | 144 |
9 | 51,623 | 206 | 145 |
10 | 51,829 | 207 | 145 |
11 | 52,036 | 208 | 146 |
12 | 52,245 | 209 | 146 |
13 | 52,454 | 210 | 147 |
14 | 52,663 | 211 | 147 |
15 | 52,874 | 211 | 148 |
16 | 53,085 | 212 | 149 |
17 | 53,298 | 213 | 149 |
18 | 53,511 | 214 | 150 |
19 | 53,725 | 215 | 150 |
20 | 53,940 | 216 | 151 |
TOTAL | $4,156 | $2,909 |
Year | Rate 0.60% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 300 | 210 |
2 | 50,300 | 302 | 211 |
3 | 50,602 | 304 | 213 |
4 | 50,905 | 305 | 214 |
5 | 51,211 | 307 | 215 |
6 | 51,518 | 309 | 216 |
7 | 51,827 | 311 | 218 |
8 | 52,138 | 313 | 219 |
9 | 52,451 | 315 | 220 |
10 | 52,766 | 317 | 222 |
11 | 53,082 | 318 | 223 |
12 | 53,401 | 320 | 224 |
13 | 53,721 | 322 | 226 |
14 | 54,044 | 324 | 227 |
15 | 54,368 | 326 | 228 |
16 | 54,694 | 328 | 230 |
17 | 55,022 | 330 | 231 |
18 | 55,352 | 332 | 232 |
19 | 55,684 | 334 | 234 |
20 | 56,019 | 336 | 235 |
TOTAL | $6,355 | $4,448 |
Year | Rate 0.10% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 50 | 35 |
2 | 50,050 | 50 | 35 |
3 | 50,100 | 50 | 35 |
4 | 50,150 | 50 | 35 |
5 | 50,200 | 50 | 35 |
6 | 50,251 | 50 | 35 |
7 | 50,301 | 50 | 35 |
8 | 50,351 | 50 | 35 |
9 | 50,401 | 50 | 35 |
10 | 50,452 | 50 | 35 |
11 | 50,502 | 51 | 35 |
12 | 50,553 | 51 | 35 |
13 | 50,603 | 51 | 35 |
14 | 50,654 | 51 | 35 |
15 | 50,705 | 51 | 35 |
16 | 50,755 | 51 | 36 |
17 | 50,806 | 51 | 36 |
18 | 50,857 | 51 | 36 |
19 | 50,908 | 51 | 36 |
20 | 50,959 | 51 | 36 |
TOTAL | $1,010 | $707 |
Year | Rate 3.85% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,925 | 1,348 |
2 | 51,925 | 1,999 | 1,399 |
3 | 53,924 | 2,076 | 1,453 |
4 | 56,000 | 2,156 | 1,509 |
5 | 58,156 | 2,239 | 1,567 |
6 | 60,395 | 2,325 | 1,628 |
7 | 62,720 | 2,415 | 1,690 |
8 | 65,135 | 2,508 | 1,755 |
9 | 67,643 | 2,604 | 1,823 |
10 | 70,247 | 2,705 | 1,893 |
11 | 72,952 | 2,809 | 1,966 |
12 | 75,760 | 2,917 | 2,042 |
13 | 78,677 | 3,029 | 2,120 |
14 | 81,706 | 3,146 | 2,202 |
15 | 84,852 | 3,267 | 2,287 |
16 | 88,119 | 3,393 | 2,375 |
17 | 91,511 | 3,523 | 2,466 |
18 | 95,034 | 3,659 | 2,561 |
19 | 98,693 | 3,800 | 2,660 |
20 | 102,493 | 3,946 | 2,762 |
TOTAL | $56,439 | $39,507 |
Year | Rate 0.20% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 100 | 70 |
2 | 50,100 | 100 | 70 |
3 | 50,200 | 100 | 70 |
4 | 50,301 | 101 | 70 |
5 | 50,401 | 101 | 71 |
6 | 50,502 | 101 | 71 |
7 | 50,603 | 101 | 71 |
8 | 50,704 | 101 | 71 |
9 | 50,806 | 102 | 71 |
10 | 50,907 | 102 | 71 |
11 | 51,009 | 102 | 71 |
12 | 51,111 | 102 | 72 |
13 | 51,213 | 102 | 72 |
14 | 51,316 | 103 | 72 |
15 | 51,418 | 103 | 72 |
16 | 51,521 | 103 | 72 |
17 | 51,624 | 103 | 72 |
18 | 51,727 | 103 | 72 |
19 | 51,831 | 104 | 73 |
20 | 51,935 | 104 | 73 |
TOTAL | $2,038 | $1,427 |
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. |