Step-by-step

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.

Create your ladder

See how much your money can do

Calculate how much you could potentially gain with a CD ladder versus renewing a single 1-year CD for the same amount of time. Choose the CD term you would like to use to build your ladder, and enter your deposit amount. Keep in mind, the term you select does not indicate the timeframe of the ladder; it indicates the term you want all of your CDs to ultimately roll into.