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 0.01% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 5 | 4 |
2 | 50,005 | 5 | 4 |
3 | 50,010 | 5 | 4 |
4 | 50,015 | 5 | 4 |
5 | 50,020 | 5 | 4 |
6 | 50,025 | 5 | 4 |
7 | 50,030 | 5 | 4 |
8 | 50,035 | 5 | 4 |
9 | 50,040 | 5 | 4 |
10 | 50,045 | 5 | 4 |
11 | 50,050 | 5 | 4 |
12 | 50,055 | 5 | 4 |
13 | 50,060 | 5 | 4 |
14 | 50,065 | 5 | 4 |
15 | 50,070 | 5 | 4 |
16 | 50,075 | 5 | 4 |
17 | 50,080 | 5 | 4 |
18 | 50,085 | 5 | 4 |
19 | 50,090 | 5 | 4 |
20 | 50,095 | 5 | 4 |
TOTAL | $100 | $70 |
Year | Rate 0.65% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 325 | 228 |
2 | 50,325 | 327 | 229 |
3 | 50,652 | 329 | 230 |
4 | 50,981 | 331 | 232 |
5 | 51,313 | 334 | 233 |
6 | 51,646 | 336 | 235 |
7 | 51,982 | 338 | 237 |
8 | 52,320 | 340 | 238 |
9 | 52,660 | 342 | 240 |
10 | 53,002 | 345 | 241 |
11 | 53,347 | 347 | 243 |
12 | 53,693 | 349 | 244 |
13 | 54,042 | 351 | 246 |
14 | 54,394 | 354 | 247 |
15 | 54,747 | 356 | 249 |
16 | 55,103 | 358 | 251 |
17 | 55,461 | 360 | 252 |
18 | 55,822 | 363 | 254 |
19 | 56,185 | 365 | 256 |
20 | 56,550 | 368 | 257 |
TOTAL | $6,917 | $4,842 |
Year | Rate 3.05% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,525 | 1,068 |
2 | 51,525 | 1,572 | 1,100 |
3 | 53,097 | 1,619 | 1,134 |
4 | 54,716 | 1,669 | 1,168 |
5 | 56,385 | 1,720 | 1,204 |
6 | 58,105 | 1,772 | 1,241 |
7 | 59,877 | 1,826 | 1,278 |
8 | 61,703 | 1,882 | 1,317 |
9 | 63,585 | 1,939 | 1,358 |
10 | 65,524 | 1,998 | 1,399 |
11 | 67,523 | 2,059 | 1,442 |
12 | 69,582 | 2,122 | 1,486 |
13 | 71,704 | 2,187 | 1,531 |
14 | 73,891 | 2,254 | 1,578 |
15 | 76,145 | 2,322 | 1,626 |
16 | 78,468 | 2,393 | 1,675 |
17 | 80,861 | 2,466 | 1,726 |
18 | 83,327 | 2,541 | 1,779 |
19 | 85,869 | 2,619 | 1,833 |
20 | 88,488 | 2,699 | 1,889 |
TOTAL | $41,186 | $28,830 |
Year | Rate 0.08% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 40 | 28 |
2 | 50,040 | 40 | 28 |
3 | 50,080 | 40 | 28 |
4 | 50,120 | 40 | 28 |
5 | 50,160 | 40 | 28 |
6 | 50,200 | 40 | 28 |
7 | 50,240 | 40 | 28 |
8 | 50,281 | 40 | 28 |
9 | 50,321 | 40 | 28 |
10 | 50,361 | 40 | 28 |
11 | 50,401 | 40 | 28 |
12 | 50,442 | 40 | 28 |
13 | 50,482 | 40 | 28 |
14 | 50,523 | 40 | 28 |
15 | 50,563 | 40 | 28 |
16 | 50,603 | 40 | 28 |
17 | 50,644 | 41 | 28 |
18 | 50,684 | 41 | 28 |
19 | 50,725 | 41 | 28 |
20 | 50,765 | 41 | 28 |
TOTAL | $806 | $564 |
Year | Rate 0.08% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 38 | 26 |
2 | 50,038 | 38 | 26 |
3 | 50,075 | 38 | 26 |
4 | 50,113 | 38 | 26 |
5 | 50,150 | 38 | 26 |
6 | 50,188 | 38 | 26 |
7 | 50,225 | 38 | 26 |
8 | 50,263 | 38 | 26 |
9 | 50,301 | 38 | 26 |
10 | 50,339 | 38 | 26 |
11 | 50,376 | 38 | 26 |
12 | 50,414 | 38 | 26 |
13 | 50,452 | 38 | 26 |
14 | 50,490 | 38 | 27 |
15 | 50,528 | 38 | 27 |
16 | 50,565 | 38 | 27 |
17 | 50,603 | 38 | 27 |
18 | 50,641 | 38 | 27 |
19 | 50,679 | 38 | 27 |
20 | 50,717 | 38 | 27 |
TOTAL | $755 | $529 |
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 0.03% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 15 | 11 |
2 | 50,015 | 15 | 11 |
3 | 50,030 | 15 | 11 |
4 | 50,045 | 15 | 11 |
5 | 50,060 | 15 | 11 |
6 | 50,075 | 15 | 11 |
7 | 50,090 | 15 | 11 |
8 | 50,105 | 15 | 11 |
9 | 50,120 | 15 | 11 |
10 | 50,135 | 15 | 11 |
11 | 50,150 | 15 | 11 |
12 | 50,165 | 15 | 11 |
13 | 50,180 | 15 | 11 |
14 | 50,195 | 15 | 11 |
15 | 50,210 | 15 | 11 |
16 | 50,225 | 15 | 11 |
17 | 50,241 | 15 | 11 |
18 | 50,256 | 15 | 11 |
19 | 50,271 | 15 | 11 |
20 | 50,286 | 15 | 11 |
TOTAL | $301 | $211 |
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 0.10% |
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 0.05% |
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 0.35% |
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 0.20% |
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 |
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 0.40% |
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 0.38% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 188 | 131 |
2 | 50,188 | 188 | 132 |
3 | 50,376 | 189 | 132 |
4 | 50,565 | 190 | 133 |
5 | 50,754 | 190 | 133 |
6 | 50,945 | 191 | 134 |
7 | 51,136 | 192 | 134 |
8 | 51,327 | 192 | 135 |
9 | 51,520 | 193 | 135 |
10 | 51,713 | 194 | 136 |
11 | 51,907 | 195 | 136 |
12 | 52,102 | 195 | 137 |
13 | 52,297 | 196 | 137 |
14 | 52,493 | 197 | 138 |
15 | 52,690 | 198 | 138 |
16 | 52,888 | 198 | 139 |
17 | 53,086 | 199 | 139 |
18 | 53,285 | 200 | 140 |
19 | 53,485 | 201 | 140 |
20 | 53,685 | 201 | 141 |
TOTAL | $3,887 | $2,721 |
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 0.95% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 475 | 333 |
2 | 50,475 | 480 | 336 |
3 | 50,955 | 484 | 339 |
4 | 51,439 | 489 | 342 |
5 | 51,927 | 493 | 345 |
6 | 52,421 | 498 | 349 |
7 | 52,919 | 503 | 352 |
8 | 53,421 | 508 | 355 |
9 | 53,929 | 512 | 359 |
10 | 54,441 | 517 | 362 |
11 | 54,958 | 522 | 365 |
12 | 55,480 | 527 | 369 |
13 | 56,007 | 532 | 372 |
14 | 56,540 | 537 | 376 |
15 | 57,077 | 542 | 380 |
16 | 57,619 | 547 | 383 |
17 | 58,166 | 553 | 387 |
18 | 58,719 | 558 | 390 |
19 | 59,277 | 563 | 394 |
20 | 59,840 | 568 | 398 |
TOTAL | $10,408 | $7,286 |
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 0.50% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 250 | 175 |
2 | 50,250 | 251 | 176 |
3 | 50,501 | 253 | 177 |
4 | 50,754 | 254 | 178 |
5 | 51,008 | 255 | 179 |
6 | 51,263 | 256 | 179 |
7 | 51,519 | 258 | 180 |
8 | 51,776 | 259 | 181 |
9 | 52,035 | 260 | 182 |
10 | 52,296 | 261 | 183 |
11 | 52,557 | 263 | 184 |
12 | 52,820 | 264 | 185 |
13 | 53,084 | 265 | 186 |
14 | 53,349 | 267 | 187 |
15 | 53,616 | 268 | 188 |
16 | 53,884 | 269 | 189 |
17 | 54,154 | 271 | 190 |
18 | 54,424 | 272 | 190 |
19 | 54,696 | 273 | 191 |
20 | 54,970 | 275 | 192 |
TOTAL | $5,245 | $3,671 |
Year | Rate 3.35% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,675 | 1,173 |
2 | 51,675 | 1,731 | 1,212 |
3 | 53,406 | 1,789 | 1,252 |
4 | 55,195 | 1,849 | 1,294 |
5 | 57,044 | 1,911 | 1,338 |
6 | 58,955 | 1,975 | 1,383 |
7 | 60,930 | 2,041 | 1,429 |
8 | 62,971 | 2,110 | 1,477 |
9 | 65,081 | 2,180 | 1,526 |
10 | 67,261 | 2,253 | 1,577 |
11 | 69,514 | 2,329 | 1,630 |
12 | 71,843 | 2,407 | 1,685 |
13 | 74,250 | 2,487 | 1,741 |
14 | 76,737 | 2,571 | 1,799 |
15 | 79,308 | 2,657 | 1,860 |
16 | 81,965 | 2,746 | 1,922 |
17 | 84,711 | 2,838 | 1,986 |
18 | 87,548 | 2,933 | 2,053 |
19 | 90,481 | 3,031 | 2,122 |
20 | 93,512 | 3,133 | 2,193 |
TOTAL | $46,645 | $32,652 |
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 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 |
Year | Rate 3.65% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,825 | 1,278 |
2 | 51,825 | 1,892 | 1,324 |
3 | 53,717 | 1,961 | 1,372 |
4 | 55,677 | 2,032 | 1,423 |
5 | 57,709 | 2,106 | 1,474 |
6 | 59,816 | 2,183 | 1,528 |
7 | 61,999 | 2,263 | 1,584 |
8 | 64,262 | 2,346 | 1,642 |
9 | 66,608 | 2,431 | 1,702 |
10 | 69,039 | 2,520 | 1,764 |
11 | 71,559 | 2,612 | 1,828 |
12 | 74,171 | 2,707 | 1,895 |
13 | 76,878 | 2,806 | 1,964 |
14 | 79,684 | 2,908 | 2,036 |
15 | 82,592 | 3,015 | 2,110 |
16 | 85,607 | 3,125 | 2,187 |
17 | 88,732 | 3,239 | 2,267 |
18 | 91,970 | 3,357 | 2,350 |
19 | 95,327 | 3,479 | 2,436 |
20 | 98,807 | 3,606 | 2,525 |
TOTAL | $52,413 | $36,689 |
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. |