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.

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: ...

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 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.

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 CD ladder is a savings strategy by which you purchase several certificates of deposit (CDs) with staggered maturities (i.e., one-year, two-year, three-year, etc.) to take advantage of higher ...

A CD ladder emergency fund can help you get a little more from your rainy day money. Here’s how to use a CD ladder strategy as part of your emergency savings.

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.

Typically, a CD ladder splits your cash into five “rungs,” meaning you’ll open five CDs, one year to five years. Let’s say you have $20,000 to invest.

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 ...