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 1.90% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 950 | 665 |
| 2 | 50,950 | 968 | 678 |
| 3 | 51,918 | 986 | 691 |
| 4 | 52,904 | 1,005 | 704 |
| 5 | 53,910 | 1,024 | 717 |
| 6 | 54,934 | 1,044 | 731 |
| 7 | 55,978 | 1,064 | 745 |
| 8 | 57,041 | 1,084 | 759 |
| 9 | 58,125 | 1,104 | 773 |
| 10 | 59,229 | 1,125 | 788 |
| 11 | 60,355 | 1,147 | 803 |
| 12 | 61,502 | 1,169 | 818 |
| 13 | 62,670 | 1,191 | 834 |
| 14 | 63,861 | 1,213 | 849 |
| 15 | 65,074 | 1,236 | 865 |
| 16 | 66,311 | 1,260 | 882 |
| 17 | 67,570 | 1,284 | 899 |
| 18 | 68,854 | 1,308 | 916 |
| 19 | 70,163 | 1,333 | 933 |
| 20 | 71,496 | 1,358 | 951 |
| TOTAL | $22,854 | $15,998 |
| Year | Rate 0.80% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 400 | 280 |
| 2 | 50,400 | 403 | 282 |
| 3 | 50,803 | 406 | 284 |
| 4 | 51,210 | 410 | 287 |
| 5 | 51,619 | 413 | 289 |
| 6 | 52,032 | 416 | 291 |
| 7 | 52,449 | 420 | 294 |
| 8 | 52,868 | 423 | 296 |
| 9 | 53,291 | 426 | 298 |
| 10 | 53,717 | 430 | 301 |
| 11 | 54,147 | 433 | 303 |
| 12 | 54,580 | 437 | 306 |
| 13 | 55,017 | 440 | 308 |
| 14 | 55,457 | 444 | 311 |
| 15 | 55,901 | 447 | 313 |
| 16 | 56,348 | 451 | 316 |
| 17 | 56,799 | 454 | 318 |
| 18 | 57,253 | 458 | 321 |
| 19 | 57,711 | 462 | 323 |
| 20 | 58,173 | 465 | 326 |
| TOTAL | $8,638 | $6,047 |
| Year | Rate 0.97% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 485 | 340 |
| 2 | 50,485 | 490 | 343 |
| 3 | 50,975 | 494 | 346 |
| 4 | 51,469 | 499 | 349 |
| 5 | 51,968 | 504 | 353 |
| 6 | 52,473 | 509 | 356 |
| 7 | 52,981 | 514 | 360 |
| 8 | 53,495 | 519 | 363 |
| 9 | 54,014 | 524 | 367 |
| 10 | 54,538 | 529 | 370 |
| 11 | 55,067 | 534 | 374 |
| 12 | 55,601 | 539 | 378 |
| 13 | 56,141 | 545 | 381 |
| 14 | 56,685 | 550 | 385 |
| 15 | 57,235 | 555 | 389 |
| 16 | 57,790 | 561 | 392 |
| 17 | 58,351 | 566 | 396 |
| 18 | 58,917 | 571 | 400 |
| 19 | 59,488 | 577 | 404 |
| 20 | 60,065 | 583 | 408 |
| TOTAL | $10,648 | $7,454 |
All calculations are for demonstration purposes only.
| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.25% |
$25,000 |
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Last change: ↓0.16% on September 18. |
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4.20% |
$50,000 |
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Last change: ↑0.20% on December 7. |
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|
4.20% |
$1,000 |
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Last change: ↑0.05% on December 1. |
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4.15% |
$1,000 |
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Last change: ↑0.10% on December 1. |
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4.10% |
$25,000 |
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Last change: ↓0.15% on November 26. |
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