When building savings, some Americans use a ladder — a CD ladder, that is. A certificate of deposit allows you to deposit money into an interest-bearing account and lock in an interest rate for a set ...

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 ...

A CD ladder is a savings strategy designed to help you take advantage of high CD interest rates without committing all of your funds to one long-term CD. Instead, you distribute your investment across ...

While most banks are cutting rates, Discover is going the other way. Lock in a safe, guaranteed return before rates drop ...

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.

Certificates of deposit (CD) accounts have spiked in popularity in recent years among savers seeking to take advantage of a sharp rise in their yields. According to January 2022 data from the Federal ...

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.

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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 ...

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 ...

Finding ways to maximize the returns on your money can make a lot of sense in today's high-rate environment. For example, while certificate of deposit (CD) accounts are a smart option to consider ...