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.

Learn how to shop around, match terms, and earn higher than average APYs. Here's how to make more out of your CD investments ...

A "CD ladder" may sound like some complex investing strategy, but it's actually very simple. It allows you to earn high interest without keeping all of your savings locked up for months or years.

A CD is a specific type of savings account (known as a time deposit account) that comes with a fixed interest rate and a ...

Certificates of deposit rates dipped moderately in the second half of 2024 due to Federal Reserve interest rate cuts but have bounced back in 2025, with the best CD rates falling into the 4.5% range.

My wife and I are saving $50,000 to buy a rental property in 2027. Our CD ladder strategy should earn us around $2,100 in interest. Buying CDs now locks in today's top interest rates and protects us ...

Miranda Marquit, MBA, is a freelance contributor to Newsweek’s personal finance team. She has an M.A. in journalism from Syracuse University and has been writing and podcasting about money since 2006.

If you're boosting your emergency fund or saving for a short-term goal, a certificate of deposit ladder, or CD ladder, may help you capture higher yields amid interest rate uncertainty. Stream Los ...

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If I were putting money into certificate of deposits (CDs) right now, I wouldn't wait. The Fed is expected to start cutting rates later this month, and once that happens, today's best CD yields will ...

Focus on CDs for cash reserves, use a CD ladder and compare rates. But don’t lose sight of a CD’s purpose. Many, or all, of the products featured on this page are from our advertising partners who ...