Start Of Main Content

Spread your money across multiple CDs to customize access to your funds.

By spreading your money across several CDs, you can tailor your savings to match your goals and ensure guaranteed returns.

Build your CD ladder

What is CD laddering?

CD laddering is a savings strategy designed to yield high returns and give you frequent access to your earnings. By depositing your money in multiple CDs with different maturity dates, you can take advantage of higher APYs (annual percentage yield)4, while still ensuring a portion of your money is available for withdrawal at regular intervals.

How to build a CD ladder

  • Open your CDs at the same time with varying term lengths.1, 2, 3 For example, a 15-month CD ladder would include 7-, 11-, and 15-month CDs.

  • When your first CD matures, you have the option to automatically roll the funds into the next CD2 in the ladder or make a withdrawal. If you choose the automatic rollover, the funds will be subject to the terms of that respective CD.

  • With three CDs maturing at different times, you get access to a portion of your funds overtime. Or, choose to keep saving and earn even more.

  • The image above shows an example CD ladder consisting of 7-, 11-, and 15-month CDs where each CD is renewed to continue the CD ladder to maintain the same access to funds

  • The image above shows an example CD ladder consisting of 7-, 11-, and 15-month CDs where each CD is renewed to continue the CD ladder to maintain the same access to funds

Build your CD ladder.

Find out how much you can earn. The APY4 is based off of U.S. Bank’s CD Special and is effective  mm/dd/yy . Change your state and county in order to view new rates.

Number of CDs Choose number of Cds
Longest CD term
Choose ladder length
Enter an amount between $2,000 to $250,000

Fill in the information, to the left, and click "Build your CD ladder."

    

GRAPH
TOTAL AMOUNT AT MATURITY

Customize your CD ladder

Edit
Cancel Save changes
Edit
Save changes Cancel

CD term

APY

Initial deposit

Amount at maturity
Fund your CD ladder
TOTAL AMOUNT AT MATURITY

Three great reasons to open a CD ladder

  • Control over your savings

    CD laddering spreads your money over multiple CDs with varying terms, providing more control over when you have access to portions of your money.

  • More for your money

    CD laddering allows you to take advantage of higher APY rates by placing your money where it yields the most value.4

  • Guaranteed returns

    CDs are not affected by the stock market, meaning once your CD ladder is funded, your returns are guaranteed.2

Three great reasons to open a CD ladder

  • Control over your savings

    CD laddering spreads your money over multiple CDs with varying terms, providing more control on when you have access to your money.

  • More for your money

    CD laddering allows you to take advantage of higher APY rates and placing your money where it yields the most value.4

  • Guaranteed returns

    CDs are not affected by the stock market, meaning once your CD ladder is funded, your returns are guaranteed2