A CD ladder is a simple way to earn more on your cash without locking it all up. Here's why it makes sense for 2026.

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.

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.

Investing in a certificate of deposit might be right if you’re not the risky type, as it’s a safe way to grow your money — that is, if you’re willing to leave it in the bank until it matures. Read ...

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 ...

High-yield savings account: According to DepositAccounts.com, as of December 2025, the top-yielding 1% of high-yield savings ...

CD rates are dropping in anticipation of the Fed potentially cutting its rates soon. This means that CD rates of 5% APY will likely decline and get less competitive. CD ladders can help you earn a ...

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.

Today's highest CD rate is 4.94% for a jumbo 6-month CD. CD rates from online banks are commonly twice as high as the ...

Today's highest CD rate is 4.94% for a jumbo 6-month CD. CD rates from online banks are commonly twice as high as the ...