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)

3.80
3 mo
3.80
6 mo
3.80
9 mo
3.75
12 mo
Ladder APY: 3.79

2-Year Ladder

(4 CDs)

3.80
6 mo
3.75
12 mo
3.60
18 mo
3.75
24 mo
Ladder APY: 3.73

5-Year Ladder

(5 CDs)

3.75
1 yr
3.75
2 yr
3.75
3 yr
3.85
4 yr
3.85
5 yr
Ladder APY: 3.79
  RATES AS OF 5:31 AM ET 12/14/2025