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)

3 mo
6 mo
9 mo
12 mo
Ladder APY:

2-Year Ladder

(4 CDs)

6 mo
12 mo
18 mo
24 mo
Ladder APY:

5-Year Ladder

(5 CDs)

1 yr
2 yr
3 yr
4 yr
5 yr
Ladder APY:
  RATES AS OF 2:08 AM ET 08/13/2026