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.

A CD is a specific type of savings account (known as a time deposit account) that comes with a fixed interest rate and a ...

Learn how to shop around, match terms, and earn higher than average APYs. Here's how to make more out of your CD investments ...

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 ...

Certificates of deposit (CD) accounts have spiked in popularity in recent years among savers seeking to take advantage of a sharp rise in their yields. According to January 2022 data from the Federal ...

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.

Finding ways to maximize the returns on your money can make a lot of sense in today's high-rate environment. For example, while certificate of deposit (CD) accounts are a smart option to consider ...

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 ...

(CNN) — If you have a lot of cash on hand, it should be making money for you. One way to ensure it continuously does that is to set up a ladder of Treasuries or FDIC-insured certificates of deposit ...

Key takeawaysSix-month CDs offer among the highest yields for savings products.Compare rates from online banks, community banks and credit unions to find the best six-month CD rates.Pay attention to ...