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)

5.35
3 mo
5.35
6 mo
5.35
9 mo
5.30
12 mo
Ladder APY: 5.34

2-Year Ladder

(4 CDs)

5.35
6 mo
5.30
12 mo
5.20
18 mo
5.00
24 mo
Ladder APY: 5.21

5-Year Ladder

(5 CDs)

5.30
1 yr
5.00
2 yr
4.85
3 yr
4.75
4 yr
4.65
5 yr
Ladder APY: 4.91
  RATES AS OF 7:27 AM ET 05/19/2024