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.

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 can be an excellent way to combine financial flexibility with risk-free, steady income. A CD ladder consists of dividing your money into several CDs of staggered maturity terms. The idea ...

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.

As of November 17, 2025, the national average for six-month CDs is 1.46%, according to the FDIC. However, there are six-month CDs paying up to 4.33% APY. Getting the best six-month CD rates now could ...

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 ...

Kevin Payne is a freelance writer and family travel and budget enthusiast behind FamilyMoneyAdventure.com. His work has been featured in Forbes Advisor, Credible, CreditCards.com, Bankrate, SlickDeals ...

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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 ...

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. What happens after your CD term is over, though? Once your CD account ...

There's a benefit to putting money into a certificate of deposit (CD) over a savings account right now. The Federal Reserve has already lowered its benchmark interest rate once this year, and it's ...