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 ...

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.

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.

A CD ladder allows you to take advantage of the high yields that certificates of deposit (CDs) are currently offering while still keeping your money pretty accessible. But is CD laddering a good ...

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.

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 ...