CD Ladders

Model CD Ladders provide an easy way to invest in multiple Certificates of Deposit (CDs) at a time, blending longer-term CDs with shorter-term CDs. By selecting one of the three models shown below you can easily filter our new issue CD inventory using a set of objective screening criteria to model your own CD Ladder (requires login).
Learn more about how Model CD Ladders work and the screening methodology deployed.

1-Year Ladder

(4 CDs)

5.00
3 mo
5.05
6 mo
4.80
9 mo
4.85
12 mo
Ladder APY: 4.92

2-Year Ladder

(4 CDs)

5.05
6 mo
4.85
12 mo
5.05
18 mo
4.95
24 mo
Ladder APY: 4.97

5-Year Ladder

(5 CDs)

4.85
1 yr
4.95
2 yr
4.80
3 yr
4.75
4 yr
4.65
5 yr
Ladder APY: 4.80
  RATES AS OF 3:07 PM ET 03/31/2023