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.
CD investing offers a guaranteed return. When CDs are issued from federally insured banks and credit unions, your money is protected, up to a certain amount, should the financial institution fail. If ...
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.