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)

4.20
3 mo
4.55
6 mo
4.65
9 mo
4.75
12 mo
Ladder APY: 4.54

2-Year Ladder

(4 CDs)

4.55
6 mo
4.75
12 mo
4.85
18 mo
4.30
24 mo
Ladder APY: 4.61

5-Year Ladder

(5 CDs)

4.75
1 yr
4.30
2 yr
4.20
3 yr
4.10
4 yr
4.15
5 yr
Ladder APY: 4.30
  RATES AS OF 6:37 PM ET 12/01/2022