A CD ladder is a simple way to earn more on your cash without locking it all up. Here's why it makes sense for 2026.

Discover how to build a CD ladder to strategically enhance liquidity and maximize interest. A step-by-step guide for balanced investing with certificates of deposit.

A "CD ladder" may sound like some complex investing strategy, but it's actually very simple. It allows you to earn high interest without keeping all of your savings locked up for months or years.

Certificates of deposit rates dipped moderately in the second half of 2024 due to Federal Reserve interest rate cuts but have bounced back in 2025, with the best CD rates falling into the 4.5% range.

You can start a CD ladder with as little as $5,000, or even less. A basic three-rung ladder could earn at least $434 in interest over three years. CD laddering gives you higher interest and rolling ...

My friend's $60,000 CD ladder is split into 12 CDs with 1-year terms. It generates around $200 in interest every month, with minimal risk. CD ladders can give you the highest APYs available today, ...

If you’re concerned that rates will fall in the future, a five-year CD can help you guarantee a fixed yield for several years ...

If you're boosting your emergency fund or saving for a short-term goal, a certificate of deposit ladder, or CD ladder, may help you capture higher yields amid interest rate uncertainty. Stream Los ...

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. Instead of depositing all of your cash in one CD account, you'd spread ...

Today's highest CD rate is 4.94% for a jumbo 6-month CD. CD rates from online banks are commonly twice as high as the ...

If you're comparing saving options, you'll find that most certificates of deposit (CDs) still offer competitive interest rates. But while CD interest rates are still relatively high, they've fallen ...