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 0.50% |
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 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 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 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 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 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 3.70% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,850 | 1,295 |
2 | 51,850 | 1,918 | 1,343 |
3 | 53,768 | 1,989 | 1,393 |
4 | 55,758 | 2,063 | 1,444 |
5 | 57,821 | 2,139 | 1,498 |
6 | 59,960 | 2,219 | 1,553 |
7 | 62,179 | 2,301 | 1,610 |
8 | 64,479 | 2,386 | 1,670 |
9 | 66,865 | 2,474 | 1,732 |
10 | 69,339 | 2,566 | 1,796 |
11 | 71,905 | 2,660 | 1,862 |
12 | 74,565 | 2,759 | 1,931 |
13 | 77,324 | 2,861 | 2,003 |
14 | 80,185 | 2,967 | 2,077 |
15 | 83,152 | 3,077 | 2,154 |
16 | 86,229 | 3,190 | 2,233 |
17 | 89,419 | 3,309 | 2,316 |
18 | 92,728 | 3,431 | 2,402 |
19 | 96,158 | 3,558 | 2,491 |
20 | 99,716 | 3,690 | 2,583 |
TOTAL | $53,406 | $37,384 |
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 0.25% |
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 0.30% |
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 0.50% |
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 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 0.15% |
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 3.25% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,625 | 1,138 |
2 | 51,625 | 1,678 | 1,174 |
3 | 53,303 | 1,732 | 1,213 |
4 | 55,035 | 1,789 | 1,252 |
5 | 56,824 | 1,847 | 1,293 |
6 | 58,671 | 1,907 | 1,335 |
7 | 60,577 | 1,969 | 1,378 |
8 | 62,546 | 2,033 | 1,423 |
9 | 64,579 | 2,099 | 1,469 |
10 | 66,678 | 2,167 | 1,517 |
11 | 68,845 | 2,237 | 1,566 |
12 | 71,082 | 2,310 | 1,617 |
13 | 73,392 | 2,385 | 1,670 |
14 | 75,778 | 2,463 | 1,724 |
15 | 78,240 | 2,543 | 1,780 |
16 | 80,783 | 2,625 | 1,838 |
17 | 83,409 | 2,711 | 1,898 |
18 | 86,119 | 2,799 | 1,959 |
19 | 88,918 | 2,890 | 2,023 |
20 | 91,808 | 2,984 | 2,089 |
TOTAL | $44,792 | $31,354 |
Year | Rate 3.00% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,500 | 1,050 |
2 | 51,500 | 1,545 | 1,082 |
3 | 53,045 | 1,591 | 1,114 |
4 | 54,636 | 1,639 | 1,147 |
5 | 56,275 | 1,688 | 1,182 |
6 | 57,964 | 1,739 | 1,217 |
7 | 59,703 | 1,791 | 1,254 |
8 | 61,494 | 1,845 | 1,291 |
9 | 63,339 | 1,900 | 1,330 |
10 | 65,239 | 1,957 | 1,370 |
11 | 67,196 | 2,016 | 1,411 |
12 | 69,212 | 2,076 | 1,453 |
13 | 71,288 | 2,139 | 1,497 |
14 | 73,427 | 2,203 | 1,542 |
15 | 75,629 | 2,269 | 1,588 |
16 | 77,898 | 2,337 | 1,636 |
17 | 80,235 | 2,407 | 1,685 |
18 | 82,642 | 2,479 | 1,735 |
19 | 85,122 | 2,554 | 1,788 |
20 | 87,675 | 2,630 | 1,841 |
TOTAL | $40,306 | $28,214 |
Year | Rate 2.85% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,425 | 998 |
2 | 51,425 | 1,466 | 1,026 |
3 | 52,891 | 1,507 | 1,055 |
4 | 54,398 | 1,550 | 1,085 |
5 | 55,948 | 1,595 | 1,116 |
6 | 57,543 | 1,640 | 1,148 |
7 | 59,183 | 1,687 | 1,181 |
8 | 60,870 | 1,735 | 1,214 |
9 | 62,604 | 1,784 | 1,249 |
10 | 64,389 | 1,835 | 1,285 |
11 | 66,224 | 1,887 | 1,321 |
12 | 68,111 | 1,941 | 1,359 |
13 | 70,052 | 1,996 | 1,398 |
14 | 72,049 | 2,053 | 1,437 |
15 | 74,102 | 2,112 | 1,478 |
16 | 76,214 | 2,172 | 1,520 |
17 | 78,386 | 2,234 | 1,564 |
18 | 80,620 | 2,298 | 1,608 |
19 | 82,918 | 2,363 | 1,654 |
20 | 85,281 | 2,431 | 1,701 |
TOTAL | $37,711 | $26,398 |
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 3.40% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,700 | 1,190 |
2 | 51,700 | 1,758 | 1,230 |
3 | 53,458 | 1,818 | 1,272 |
4 | 55,275 | 1,879 | 1,316 |
5 | 57,155 | 1,943 | 1,360 |
6 | 59,098 | 2,009 | 1,407 |
7 | 61,107 | 2,078 | 1,454 |
8 | 63,185 | 2,148 | 1,504 |
9 | 65,333 | 2,221 | 1,555 |
10 | 67,555 | 2,297 | 1,608 |
11 | 69,851 | 2,375 | 1,662 |
12 | 72,226 | 2,456 | 1,719 |
13 | 74,682 | 2,539 | 1,777 |
14 | 77,221 | 2,626 | 1,838 |
15 | 79,847 | 2,715 | 1,900 |
16 | 82,562 | 2,807 | 1,965 |
17 | 85,369 | 2,903 | 2,032 |
18 | 88,271 | 3,001 | 2,101 |
19 | 91,272 | 3,103 | 2,172 |
20 | 94,376 | 3,209 | 2,246 |
TOTAL | $47,584 | $33,309 |
Year | Rate 2.75% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,375 | 963 |
2 | 51,375 | 1,413 | 989 |
3 | 52,788 | 1,452 | 1,016 |
4 | 54,239 | 1,492 | 1,044 |
5 | 55,731 | 1,533 | 1,073 |
6 | 57,264 | 1,575 | 1,102 |
7 | 58,838 | 1,618 | 1,133 |
8 | 60,456 | 1,663 | 1,164 |
9 | 62,119 | 1,708 | 1,196 |
10 | 63,827 | 1,755 | 1,229 |
11 | 65,583 | 1,804 | 1,262 |
12 | 67,386 | 1,853 | 1,297 |
13 | 69,239 | 1,904 | 1,333 |
14 | 71,143 | 1,956 | 1,370 |
15 | 73,100 | 2,010 | 1,407 |
16 | 75,110 | 2,066 | 1,446 |
17 | 77,175 | 2,122 | 1,486 |
18 | 79,298 | 2,181 | 1,526 |
19 | 81,478 | 2,241 | 1,568 |
20 | 83,719 | 2,302 | 1,612 |
TOTAL | $36,021 | $25,215 |
Year | Rate 3.30% |
Annual Interest |
Annual Interest (After Tax) |
1 | 50,000 | 1,650 | 1,155 |
2 | 51,650 | 1,704 | 1,193 |
3 | 53,354 | 1,761 | 1,232 |
4 | 55,115 | 1,819 | 1,273 |
5 | 56,934 | 1,879 | 1,315 |
6 | 58,813 | 1,941 | 1,359 |
7 | 60,754 | 2,005 | 1,403 |
8 | 62,758 | 2,071 | 1,450 |
9 | 64,829 | 2,139 | 1,498 |
10 | 66,969 | 2,210 | 1,547 |
11 | 69,179 | 2,283 | 1,598 |
12 | 71,462 | 2,358 | 1,651 |
13 | 73,820 | 2,436 | 1,705 |
14 | 76,256 | 2,516 | 1,762 |
15 | 78,772 | 2,599 | 1,820 |
16 | 81,372 | 2,685 | 1,880 |
17 | 84,057 | 2,774 | 1,942 |
18 | 86,831 | 2,865 | 2,006 |
19 | 89,697 | 2,960 | 2,072 |
20 | 92,657 | 3,058 | 2,140 |
TOTAL | $45,714 | $32,000 |
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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4.50% |
$1,500 |
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4.50% |
$50,000 |
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Last change: ↑0.20% on April 9. |