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
5.25
6 mo
5.25
9 mo
5.15
12 mo
Ladder APY: 5.25

2-Year Ladder

(4 CDs)

5.25
6 mo
5.15
12 mo
5.00
18 mo
4.80
24 mo
Ladder APY: 5.05

5-Year Ladder

(5 CDs)

5.15
1 yr
4.80
2 yr
4.65
3 yr
4.40
4 yr
4.35
5 yr
Ladder APY: 4.67
  RATES AS OF 8:23 PM ET 02/29/2024