Nov 10, 2025 · A CD ladder is a savings strategy where you open multiple CDs with different maturity dates — say, 1-year, 2-year, 3-year, 4-year, and 5-year terms — all at once.

A CD ladder can be purchased in multiples of $4,000 (for 4-rung ladders) or $5,000 (for 5-rung ladders), so think about how much you want to invest in this less liquid strategy while maintaining a certain …

Oct 4, 2025 · Discover how to build a CD ladder to strategically enhance liquidity and maximize interest. A step-by-step guide for balanced investing with certificates of deposit.

Jan 14, 2025 · A CD ladder is an investment strategy that spreads investment capital across CDs of varying maturities and interest rates to provide investors with a consistent source of investment income.

A CD ladder is a savings strategy to spread a lump sum of cash across multiple certificates of deposit to take advantage of higher rates — usually in long-term CDs — while freeing up portions of...

Nov 6, 2024 · When you create a CD ladder, you’re able to access part of your investment each year while the remaining CDs are actively making money. After each CD comes to term, you can keep …

Jun 3, 2025 · A CD ladder is a savings strategy that leverages the stability and competitive returns of CDs (certificates of deposit) while providing added flexibility. This strategy may be a good choice for …

Nov 1, 2025 · What Is a CD Ladder? A CD ladder, or certificate of deposit ladder, is a financial strategy that involves purchasing certificates of deposit with staggered maturity dates.

Feb 13, 2024 · A CD ladder is a savings strategy where you spread a lump sum of money across multiple CDs (certificates of deposit) with different maturity dates. The goal of CD laddering is to lock …

Dec 15, 2025 · A CD ladder is a series of CDs—typically a minimum of three—that are set to mature (complete their term) at regular intervals. William Stack, owner of a financial services firm based in …