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)

4.15
3 mo
4.05
6 mo
4.00
9 mo
3.95
12 mo
Ladder APY: 4.04

2-Year Ladder

(4 CDs)

4.05
6 mo
3.95
12 mo
3.95
18 mo
3.90
24 mo
Ladder APY: 3.96

5-Year Ladder

(5 CDs)

3.95
1 yr
3.90
2 yr
3.95
3 yr
4.00
4 yr
3.90
5 yr
Ladder APY: 3.94
  RATES AS OF 9:11 AM ET 04/20/2025