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)

0.05
3 mo
0.05
6 mo
0.05
9 mo
0.10
12 mo
Ladder APY: 0.06

2-Year Ladder

(4 CDs)

0.05
6 mo
0.10
12 mo
0.25
18 mo
0.30
24 mo
Ladder APY: 0.17

5-Year Ladder

(5 CDs)

0.10
1 yr
0.30
2 yr
0.60
3 yr
0.60
4 yr
1.00
5 yr
Ladder APY: 0.52
  RATES AS OF 9:40 PM ET 07/23/2021