CD laddering is a savvy savings technique that allows you to keep your money liquid and accessible while taking interest rate changes into account. When you build a CD ladder, you’re essentially ...

Should Certificates of Deposit (CDs) be part of your retirement savings plan? With top CD rates still near 4%–5% in 2025, ...

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. If you paid attention to the interest rate climate of the last five ...

CD investing offers a guaranteed return. When CDs are issued from federally insured banks and credit unions, your money is protected, up to a certain amount, should the financial institution fail. If ...

What Are Certificates of Deposits (CDs)? Certificates of Deposit (CDs) are low-risk financial products offered by banks and credit unions. The pros of investing in CDs include higher interest rates ...

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.

CD laddering spreads your money across multiple CDs with different maturity dates, so you can earn high interest rates but have more frequent access to your cash. CDs are low risk and offer guaranteed ...