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)

4.25
3 mo
4.20
6 mo
4.20
9 mo
4.15
12 mo
Ladder APY: 4.20

2-Year Ladder

(4 CDs)

4.20
6 mo
4.15
12 mo
4.15
18 mo
4.15
24 mo
Ladder APY: 4.16

5-Year Ladder

(5 CDs)

4.15
1 yr
4.15
2 yr
4.20
3 yr
4.15
4 yr
4.15
5 yr
Ladder APY: 4.16
  RATES AS OF 2:20 AM ET 01/18/2025