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.

Text Callout : Key Takeaways - What Is a CD Ladder and How Does It Work? When building savings, some Americans use a ladder – a CD ladder, that is. A certificate of deposit allows you to deposit money ...

A lot of people hear "CD ladder" and assume it's only for folks with big bucks to invest. But the truth is, you can build one with just $5,000. Looking for a secure place to grow your savings? See our ...

Building a CD ladder for emergency savings combines security and growth. It is an effective approach that makes sure your funds are accessible when you need them while earning higher interest than a ...

Certificates of deposit (CDs) are a popular place to put your savings for a few different reasons. For starters, they are efficient, low-risk and generally have a higher interest rate than other ...

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 ...

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.

We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation. Jessica Gibson is a content update editor and writer for Investopedia. She has over ...

Miranda Marquit, MBA, is a freelance contributor to Newsweek’s personal finance team. She has an M.A. in journalism from Syracuse University and has been writing and podcasting about money since 2006.

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Certificates of deposit, or CDs, are savings tools that earn interest on money invested for a pre-determined period. They’re different from regular savings accounts because you must leave the money in ...