When building savings, some Americans use a ladder — a CD ladder, that is. A certificate of deposit allows you to deposit money into an interest-bearing account and lock in an interest rate for a set ...

Rising interest rates mean banks are once again offering reasonable returns on deposits. If you want to maximize what you earn on cash, it often pays to look at certificates of deposit, or CDs. CDs ...

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 ...

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 with ...

Things might be changing soon for savers. Kiplinger Investing for Income editor Jeffrey Kosnett recently said: "You might be wise to lock in Treasury-bill and CD ladders sooner rather than later." The ...

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.

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 ...

If you’re concerned that rates will fall in the future, a five-year CD can help you guarantee a fixed yield for several years ...

A CD ladder is a savings strategy designed to help you take advantage of high CD interest rates without committing all of your funds to one long-term CD. Instead, you distribute your investment across ...