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.

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

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.

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.

With the Fed cutting rates recently, the best CD rates today may not last long. Grab a top APY of up to 5.11% before the ...

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. The post-pandemic era made getting a good CD rate simpler as rates on ...

A "CD ladder" might sound like some complex investing strategy, but it's actually very simple -- and profitable. And with interest rates on the decline, now is the perfect time to lock in a high APY ...

Learn how to shop around, match terms, and earn higher than average APYs. Here's how to make more out of your CD investments ...

Certificates of deposit (CD) accounts have spiked in popularity in recent years among savers seeking to take advantage of a sharp rise in their yields. According to January 2022 data from the Federal ...

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.

(CNN) — If you have a lot of cash on hand, it should be making money for you. One way to ensure it continuously does that is to set up a ladder of Treasuries or FDIC-insured certificates of deposit ...