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 5.38% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,689 | 1,882 |
| 2 | 52,689 | 2,834 | 1,984 |
| 3 | 55,523 | 2,986 | 2,090 |
| 4 | 58,509 | 3,147 | 2,203 |
| 5 | 61,655 | 3,316 | 2,321 |
| 6 | 64,971 | 3,494 | 2,446 |
| 7 | 68,465 | 3,682 | 2,577 |
| 8 | 72,147 | 3,880 | 2,716 |
| 9 | 76,027 | 4,089 | 2,862 |
| 10 | 80,116 | 4,309 | 3,016 |
| 11 | 84,425 | 4,540 | 3,178 |
| 12 | 88,965 | 4,785 | 3,349 |
| 13 | 93,750 | 5,042 | 3,529 |
| 14 | 98,791 | 5,313 | 3,719 |
| 15 | 104,104 | 5,599 | 3,919 |
| 16 | 109,703 | 5,900 | 4,130 |
| 17 | 115,603 | 6,217 | 4,352 |
| 18 | 121,820 | 6,551 | 4,586 |
| 19 | 128,372 | 6,904 | 4,833 |
| 20 | 135,275 | 7,275 | 5,093 |
| TOTAL | $92,551 | $64,785 |
| Year | Rate 5.05% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,525 | 1,768 |
| 2 | 52,525 | 2,653 | 1,857 |
| 3 | 55,178 | 2,786 | 1,951 |
| 4 | 57,964 | 2,927 | 2,049 |
| 5 | 60,891 | 3,075 | 2,153 |
| 6 | 63,966 | 3,230 | 2,261 |
| 7 | 67,196 | 3,393 | 2,375 |
| 8 | 70,590 | 3,565 | 2,495 |
| 9 | 74,155 | 3,745 | 2,621 |
| 10 | 77,899 | 3,934 | 2,754 |
| 11 | 81,833 | 4,133 | 2,893 |
| 12 | 85,966 | 4,341 | 3,039 |
| 13 | 90,307 | 4,561 | 3,192 |
| 14 | 94,868 | 4,791 | 3,354 |
| 15 | 99,659 | 5,033 | 3,523 |
| 16 | 104,691 | 5,287 | 3,701 |
| 17 | 109,978 | 5,554 | 3,888 |
| 18 | 115,532 | 5,834 | 4,084 |
| 19 | 121,367 | 6,129 | 4,290 |
| 20 | 127,496 | 6,439 | 4,507 |
| TOTAL | $83,934 | $58,754 |
| Year | Rate 4.70% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,350 | 1,645 |
| 2 | 52,350 | 2,460 | 1,722 |
| 3 | 54,810 | 2,576 | 1,803 |
| 4 | 57,387 | 2,697 | 1,888 |
| 5 | 60,084 | 2,824 | 1,977 |
| 6 | 62,908 | 2,957 | 2,070 |
| 7 | 65,864 | 3,096 | 2,167 |
| 8 | 68,960 | 3,241 | 2,269 |
| 9 | 72,201 | 3,393 | 2,375 |
| 10 | 75,594 | 3,553 | 2,487 |
| 11 | 79,147 | 3,720 | 2,604 |
| 12 | 82,867 | 3,895 | 2,726 |
| 13 | 86,762 | 4,078 | 2,854 |
| 14 | 90,840 | 4,269 | 2,989 |
| 15 | 95,109 | 4,470 | 3,129 |
| 16 | 99,580 | 4,680 | 3,276 |
| 17 | 104,260 | 4,900 | 3,430 |
| 18 | 109,160 | 5,131 | 3,591 |
| 19 | 114,291 | 5,372 | 3,760 |
| 20 | 119,662 | 5,624 | 3,937 |
| TOTAL | $75,286 | $52,700 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
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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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