A mini CD ladder is the same concept as a regular CD ladder but with shorter-term CDs. You could build a mini CD ladder out of 3-month, 6-month, 9-month, and 1-year CDs to deploy the same strategy.

A CD ladder is a simple strategy to set up but it can result in big returns. Getty Images Certificates of deposit (CDs) are a popular place to put your savings for a few different reasons.

The last step in creating a CD ladder is dividing your savings among your CDs. Using the down payment example above, here's how you might divide your money if you had $10,000 to save over five years: ...

If you have $20,000 to build a CD ladder, a four-rung ladder would have $5,000 in each CD, while a five-rung ladder would have $4,000. Open all the CDs at the same time.

How a CD ladder works. Let’s say you have $30,000 to invest in a high-yield CD. You might put the entire lump sum into a long-term CD of 12 months or longer to earn a high rate of return.

A CD ladder strategy is perfect for savers looking to optimize their returns without sacrificing liquidity. Discover how to balance risk and reward, take advantage of changing interest rates, and ...

You can use a CD ladder for purchasing short-term CDs, which typically means a maturity date of 12 months or less, and long-term CDs, which usually means three, four, five years or longer.

A successful CD ladder requires planning to balance accessibility and long-term growth. For example, with $5,000 to invest in a CD ladder, you can steer $1,000 into a one-year CD, $2,000 into a ...

A lot of people hear "CD ladder" and assume it's only for folks with big bucks to invest. But the truth is, you can build one with just $5,000 . You'll earn more interest vs. keeping that money in ...

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs. CD ladder: What it is and how to build one Skip to main content ...

A simple three-rung CD ladder with $5,000. Here's an example. Using today's best CD rates, let's split $5,000 across a 1-year, 2-year, and 3-year CD term.