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 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 |
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 0.25% |
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 0.90% |
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 1.26% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 630 | 441 |
2 | 50,630 | 638 | 447 |
3 | 51,268 | 646 | 452 |
4 | 51,914 | 654 | 458 |
5 | 52,568 | 662 | 464 |
6 | 53,230 | 671 | 469 |
7 | 53,901 | 679 | 475 |
8 | 54,580 | 688 | 481 |
9 | 55,268 | 696 | 487 |
10 | 55,964 | 705 | 494 |
11 | 56,669 | 714 | 500 |
12 | 57,384 | 723 | 506 |
13 | 58,107 | 732 | 512 |
14 | 58,839 | 741 | 519 |
15 | 59,580 | 751 | 525 |
16 | 60,331 | 760 | 532 |
17 | 61,091 | 770 | 539 |
18 | 61,861 | 779 | 546 |
19 | 62,640 | 789 | 552 |
20 | 63,429 | 799 | 559 |
TOTAL | $14,229 | $9,960 |
Year | Rate 3.20% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,600 | 1,120 |
2 | 51,600 | 1,651 | 1,156 |
3 | 53,251 | 1,704 | 1,193 |
4 | 54,955 | 1,759 | 1,231 |
5 | 56,714 | 1,815 | 1,270 |
6 | 58,529 | 1,873 | 1,311 |
7 | 60,402 | 1,933 | 1,353 |
8 | 62,334 | 1,995 | 1,396 |
9 | 64,329 | 2,059 | 1,441 |
10 | 66,388 | 2,124 | 1,487 |
11 | 68,512 | 2,192 | 1,535 |
12 | 70,704 | 2,263 | 1,584 |
13 | 72,967 | 2,335 | 1,634 |
14 | 75,302 | 2,410 | 1,687 |
15 | 77,712 | 2,487 | 1,741 |
16 | 80,198 | 2,566 | 1,796 |
17 | 82,765 | 2,648 | 1,854 |
18 | 85,413 | 2,733 | 1,913 |
19 | 88,146 | 2,821 | 1,974 |
20 | 90,967 | 2,911 | 2,038 |
TOTAL | $43,878 | $30,715 |
Year | Rate 0.45% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 225 | 158 |
2 | 50,225 | 226 | 158 |
3 | 50,451 | 227 | 159 |
4 | 50,678 | 228 | 160 |
5 | 50,906 | 229 | 160 |
6 | 51,135 | 230 | 161 |
7 | 51,365 | 231 | 162 |
8 | 51,596 | 232 | 163 |
9 | 51,829 | 233 | 163 |
10 | 52,062 | 234 | 164 |
11 | 52,296 | 235 | 165 |
12 | 52,531 | 236 | 165 |
13 | 52,768 | 237 | 166 |
14 | 53,005 | 239 | 167 |
15 | 53,244 | 240 | 168 |
16 | 53,483 | 241 | 168 |
17 | 53,724 | 242 | 169 |
18 | 53,966 | 243 | 170 |
19 | 54,209 | 244 | 171 |
20 | 54,453 | 245 | 172 |
TOTAL | $4,698 | $3,288 |
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 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 0.60% |
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 0.70% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 350 | 245 |
2 | 50,350 | 352 | 247 |
3 | 50,702 | 355 | 248 |
4 | 51,057 | 357 | 250 |
5 | 51,415 | 360 | 252 |
6 | 51,775 | 362 | 254 |
7 | 52,137 | 365 | 255 |
8 | 52,502 | 368 | 257 |
9 | 52,870 | 370 | 259 |
10 | 53,240 | 373 | 261 |
11 | 53,612 | 375 | 263 |
12 | 53,988 | 378 | 265 |
13 | 54,366 | 381 | 266 |
14 | 54,746 | 383 | 268 |
15 | 55,129 | 386 | 270 |
16 | 55,515 | 389 | 272 |
17 | 55,904 | 391 | 274 |
18 | 56,295 | 394 | 276 |
19 | 56,689 | 397 | 278 |
20 | 57,086 | 400 | 280 |
TOTAL | $7,486 | $5,240 |
Year | Rate 1.01% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 505 | 354 |
2 | 50,505 | 510 | 357 |
3 | 51,015 | 515 | 361 |
4 | 51,530 | 520 | 364 |
5 | 52,051 | 526 | 368 |
6 | 52,577 | 531 | 372 |
7 | 53,108 | 536 | 375 |
8 | 53,644 | 542 | 379 |
9 | 54,186 | 547 | 383 |
10 | 54,733 | 553 | 387 |
11 | 55,286 | 558 | 391 |
12 | 55,844 | 564 | 395 |
13 | 56,408 | 570 | 399 |
14 | 56,978 | 575 | 403 |
15 | 57,553 | 581 | 407 |
16 | 58,135 | 587 | 411 |
17 | 58,722 | 593 | 415 |
18 | 59,315 | 599 | 419 |
19 | 59,914 | 605 | 424 |
20 | 60,519 | 611 | 428 |
TOTAL | $11,130 | $7,791 |
Year | Rate 0.75% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 375 | 263 |
2 | 50,375 | 378 | 264 |
3 | 50,753 | 381 | 266 |
4 | 51,133 | 384 | 268 |
5 | 51,517 | 386 | 270 |
6 | 51,903 | 389 | 272 |
7 | 52,293 | 392 | 275 |
8 | 52,685 | 395 | 277 |
9 | 53,080 | 398 | 279 |
10 | 53,478 | 401 | 281 |
11 | 53,879 | 404 | 283 |
12 | 54,283 | 407 | 285 |
13 | 54,690 | 410 | 287 |
14 | 55,101 | 413 | 289 |
15 | 55,514 | 416 | 291 |
16 | 55,930 | 419 | 294 |
17 | 56,350 | 423 | 296 |
18 | 56,772 | 426 | 298 |
19 | 57,198 | 429 | 300 |
20 | 57,627 | 432 | 303 |
TOTAL | $8,059 | $5,641 |
Year | Rate 0.99% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 495 | 347 |
2 | 50,495 | 500 | 350 |
3 | 50,995 | 505 | 353 |
4 | 51,500 | 510 | 357 |
5 | 52,010 | 515 | 360 |
6 | 52,524 | 520 | 364 |
7 | 53,044 | 525 | 368 |
8 | 53,570 | 530 | 371 |
9 | 54,100 | 536 | 375 |
10 | 54,636 | 541 | 379 |
11 | 55,176 | 546 | 382 |
12 | 55,723 | 552 | 386 |
13 | 56,274 | 557 | 390 |
14 | 56,831 | 563 | 394 |
15 | 57,394 | 568 | 398 |
16 | 57,962 | 574 | 402 |
17 | 58,536 | 580 | 406 |
18 | 59,116 | 585 | 410 |
19 | 59,701 | 591 | 414 |
20 | 60,292 | 597 | 418 |
TOTAL | $10,889 | $7,622 |
Year | Rate 1.26% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 630 | 441 |
2 | 50,630 | 638 | 447 |
3 | 51,268 | 646 | 452 |
4 | 51,914 | 654 | 458 |
5 | 52,568 | 662 | 464 |
6 | 53,230 | 671 | 469 |
7 | 53,901 | 679 | 475 |
8 | 54,580 | 688 | 481 |
9 | 55,268 | 696 | 487 |
10 | 55,964 | 705 | 494 |
11 | 56,669 | 714 | 500 |
12 | 57,384 | 723 | 506 |
13 | 58,107 | 732 | 512 |
14 | 58,839 | 741 | 519 |
15 | 59,580 | 751 | 525 |
16 | 60,331 | 760 | 532 |
17 | 61,091 | 770 | 539 |
18 | 61,861 | 779 | 546 |
19 | 62,640 | 789 | 552 |
20 | 63,429 | 799 | 559 |
TOTAL | $14,229 | $9,960 |
Year | Rate 1.21% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 605 | 424 |
2 | 50,605 | 612 | 429 |
3 | 51,217 | 620 | 434 |
4 | 51,837 | 627 | 439 |
5 | 52,464 | 635 | 444 |
6 | 53,099 | 642 | 450 |
7 | 53,742 | 650 | 455 |
8 | 54,392 | 658 | 461 |
9 | 55,050 | 666 | 466 |
10 | 55,716 | 674 | 472 |
11 | 56,390 | 682 | 478 |
12 | 57,073 | 691 | 483 |
13 | 57,763 | 699 | 489 |
14 | 58,462 | 707 | 495 |
15 | 59,170 | 716 | 501 |
16 | 59,885 | 725 | 507 |
17 | 60,610 | 733 | 513 |
18 | 61,343 | 742 | 520 |
19 | 62,086 | 751 | 526 |
20 | 62,837 | 760 | 532 |
TOTAL | $13,597 | $9,518 |
Year | Rate 1.15% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 575 | 403 |
2 | 50,575 | 582 | 407 |
3 | 51,157 | 588 | 412 |
4 | 51,745 | 595 | 417 |
5 | 52,340 | 602 | 421 |
6 | 52,942 | 609 | 426 |
7 | 53,551 | 616 | 431 |
8 | 54,167 | 623 | 436 |
9 | 54,789 | 630 | 441 |
10 | 55,420 | 637 | 446 |
11 | 56,057 | 645 | 451 |
12 | 56,702 | 652 | 456 |
13 | 57,354 | 660 | 462 |
14 | 58,013 | 667 | 467 |
15 | 58,680 | 675 | 472 |
16 | 59,355 | 683 | 478 |
17 | 60,038 | 690 | 483 |
18 | 60,728 | 698 | 489 |
19 | 61,427 | 706 | 494 |
20 | 62,133 | 715 | 500 |
TOTAL | $12,847 | $8,993 |
Year | Rate 1.40% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 700 | 490 |
2 | 50,700 | 710 | 497 |
3 | 51,410 | 720 | 504 |
4 | 52,130 | 730 | 511 |
5 | 52,859 | 740 | 518 |
6 | 53,599 | 750 | 525 |
7 | 54,350 | 761 | 533 |
8 | 55,111 | 772 | 540 |
9 | 55,882 | 782 | 548 |
10 | 56,665 | 793 | 555 |
11 | 57,458 | 804 | 563 |
12 | 58,262 | 816 | 571 |
13 | 59,078 | 827 | 579 |
14 | 59,905 | 839 | 587 |
15 | 60,744 | 850 | 595 |
16 | 61,594 | 862 | 604 |
17 | 62,456 | 874 | 612 |
18 | 63,331 | 887 | 621 |
19 | 64,217 | 899 | 629 |
20 | 65,117 | 912 | 638 |
TOTAL | $16,028 | $11,220 |
Year | Rate 0.55% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 275 | 193 |
2 | 50,275 | 277 | 194 |
3 | 50,552 | 278 | 195 |
4 | 50,830 | 280 | 196 |
5 | 51,109 | 281 | 197 |
6 | 51,390 | 283 | 198 |
7 | 51,673 | 284 | 199 |
8 | 51,957 | 286 | 200 |
9 | 52,243 | 287 | 201 |
10 | 52,530 | 289 | 202 |
11 | 52,819 | 291 | 203 |
12 | 53,110 | 292 | 204 |
13 | 53,402 | 294 | 206 |
14 | 53,695 | 295 | 207 |
15 | 53,991 | 297 | 208 |
16 | 54,288 | 299 | 209 |
17 | 54,586 | 300 | 210 |
18 | 54,886 | 302 | 211 |
19 | 55,188 | 304 | 212 |
20 | 55,492 | 305 | 214 |
TOTAL | $5,797 | $4,058 |
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 | 225 | 158 |
2 | 50,225 | 226 | 158 |
3 | 50,451 | 227 | 159 |
4 | 50,678 | 228 | 160 |
5 | 50,906 | 229 | 160 |
6 | 51,135 | 230 | 161 |
7 | 51,365 | 231 | 162 |
8 | 51,596 | 232 | 163 |
9 | 51,829 | 233 | 163 |
10 | 52,062 | 234 | 164 |
11 | 52,296 | 235 | 165 |
12 | 52,531 | 236 | 165 |
13 | 52,768 | 237 | 166 |
14 | 53,005 | 239 | 167 |
15 | 53,244 | 240 | 168 |
16 | 53,483 | 241 | 168 |
17 | 53,724 | 242 | 169 |
18 | 53,966 | 243 | 170 |
19 | 54,209 | 244 | 171 |
20 | 54,453 | 245 | 172 |
TOTAL | $4,698 | $3,288 |
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 |
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. |