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.

While anything can happen, experts largely expect that CD rates will fall in early 2026. For one, the Federal Reserve has ...

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

The financial strategy of creating a CD ladder may promote liquidity in your portfolio. "Laddering CDs — meaning, purchasing CDs with varying maturities, say in one month, three months, six months and ...

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.

The highest one-year CD rate depends on factors like current conditions and the amount of money in the account. Some of the ...

A CD ladder consists of opening several CDs with different maturity dates. A CD ladder's benefit is you can earn high rates and also have access to portions of your money at frequent intervals. With a ...

A "CD ladder" might sound like some complex investing strategy, but it's actually very simple -- and profitable. And with interest rates on the decline, now is the perfect time to lock in a high APY ...

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.

Rising interest rates mean banks are once again offering reasonable returns on deposits. If you want to maximize what you earn on cash, it often pays to look at certificates of deposit, or CDs. CDs ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech ...