The term “CD Ladder” refers to opening a series of Certificates of Deposit (CDs) with a range of maturity dates, then re-depositing maturing CD balances into long-term, higher-rate CDs. This strategy provides greater liquidity than a single long-term CD and a higher rate of return than a single short-term rollover CD. It can be especially beneficial when interest rates are rising and maturing balances are re-deposited at increasingly higher rates.

Click the pencil icon to expand the “CD Interest Rates” section, and adjust the interest rates & terms of your CDs. Then click the “View Report” button to see how a CD Ladder compares to a single short-term rollover CD.

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