CD ladder basics

A CD ladder is a strategy in which you open multiple CDs that mature at staggered intervals. This can help you compound your earnings, generate a steady stream of income and gain consistent access to your money.

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CD laddering is a savings strategy that staggers CD maturities to potentially maximize your investment. Short-term CDs allow you to access funds sooner, while longer-term CDs typically have higher rates and earnings — giving you the best of both worlds.