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)

3.85
3 mo
3.85
6 mo
3.90
9 mo
3.90
12 mo
Ladder APY: 3.88

2-Year Ladder

(4 CDs)

3.85
6 mo
3.90
12 mo
--
18 mo
4.00
24 mo
Ladder APY: 3.92

5-Year Ladder

(5 CDs)

3.90
1 yr
4.00
2 yr
4.05
3 yr
--
4 yr
4.15
5 yr
Ladder APY: 4.03
  RATES AS OF 12:57 PM ET 04/01/2026