If your parents had put $1,000 in a savings account (or, as above, your grandparents had done so when a parent was born), what would be the current balance on that account today? As an example, a $1,000 deposit made 54 years ago at a rate of 4% would have resulted in a savings account balance of $8,314. Earning a rate of 4.5%, the balance would be $10,771. Calculator: