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.

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 ...

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 ...

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

If you’re concerned that rates will fall in the future, a five-year CD can help you guarantee a fixed yield for several years ...

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 ...

Focus on CDs for cash reserves, use a CD ladder and compare rates. But don’t lose sight of a CD’s purpose. Many, or all, of the products featured on this page are from our advertising partners who ...