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)

0.10
3 mo
0.20
6 mo
0.20
9 mo
0.40
12 mo
Ladder APY: 0.23

2-Year Ladder

(4 CDs)

0.20
6 mo
0.40
12 mo
0.60
18 mo
0.80
24 mo
Ladder APY: 0.50

5-Year Ladder

(5 CDs)

0.40
1 yr
0.80
2 yr
1.10
3 yr
1.30
4 yr
1.65
5 yr
Ladder APY: 1.05
  RATES AS OF 8:06 PM ET 01/16/2022