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 4.60% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,300 | 1,610 |
| 2 | 52,300 | 2,406 | 1,684 |
| 3 | 54,706 | 2,516 | 1,762 |
| 4 | 57,222 | 2,632 | 1,843 |
| 5 | 59,854 | 2,753 | 1,927 |
| 6 | 62,608 | 2,880 | 2,016 |
| 7 | 65,488 | 3,012 | 2,109 |
| 8 | 68,500 | 3,151 | 2,206 |
| 9 | 71,651 | 3,296 | 2,307 |
| 10 | 74,947 | 3,448 | 2,413 |
| 11 | 78,395 | 3,606 | 2,524 |
| 12 | 82,001 | 3,772 | 2,640 |
| 13 | 85,773 | 3,946 | 2,762 |
| 14 | 89,718 | 4,127 | 2,889 |
| 15 | 93,846 | 4,317 | 3,022 |
| 16 | 98,162 | 4,515 | 3,161 |
| 17 | 102,678 | 4,723 | 3,306 |
| 18 | 107,401 | 4,940 | 3,458 |
| 19 | 112,342 | 5,168 | 3,617 |
| 20 | 117,509 | 5,405 | 3,784 |
| TOTAL | $72,915 | $51,040 |
| Year | Rate 1.11% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 553 | 387 |
| 2 | 50,553 | 559 | 391 |
| 3 | 51,112 | 565 | 396 |
| 4 | 51,677 | 572 | 400 |
| 5 | 52,249 | 578 | 405 |
| 6 | 52,827 | 584 | 409 |
| 7 | 53,411 | 591 | 414 |
| 8 | 54,002 | 597 | 418 |
| 9 | 54,599 | 604 | 423 |
| 10 | 55,203 | 611 | 427 |
| 11 | 55,814 | 617 | 432 |
| 12 | 56,431 | 624 | 437 |
| 13 | 57,055 | 631 | 442 |
| 14 | 57,686 | 638 | 447 |
| 15 | 58,324 | 645 | 452 |
| 16 | 58,969 | 652 | 457 |
| 17 | 59,621 | 659 | 462 |
| 18 | 60,281 | 667 | 467 |
| 19 | 60,947 | 674 | 472 |
| 20 | 61,621 | 682 | 477 |
| TOTAL | $12,303 | $8,612 |
| Year | Rate 1.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 500 | 350 |
| 2 | 50,500 | 505 | 354 |
| 3 | 51,005 | 510 | 357 |
| 4 | 51,515 | 515 | 361 |
| 5 | 52,030 | 520 | 364 |
| 6 | 52,551 | 526 | 368 |
| 7 | 53,076 | 531 | 372 |
| 8 | 53,607 | 536 | 375 |
| 9 | 54,143 | 541 | 379 |
| 10 | 54,684 | 547 | 383 |
| 11 | 55,231 | 552 | 387 |
| 12 | 55,783 | 558 | 390 |
| 13 | 56,341 | 563 | 394 |
| 14 | 56,905 | 569 | 398 |
| 15 | 57,474 | 575 | 402 |
| 16 | 58,048 | 580 | 406 |
| 17 | 58,629 | 586 | 410 |
| 18 | 59,215 | 592 | 415 |
| 19 | 59,807 | 598 | 419 |
| 20 | 60,405 | 604 | 423 |
| TOTAL | $11,010 | $7,707 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.55% |
$50,000 |
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|
Last change: ↓0.10% on February 9. |
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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% |
$50,000 |
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|
Last change: ↑0.20% on April 9. |
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