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.

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.

A CD is a specific type of savings account (known as a time deposit account) that comes with a fixed interest rate and a ...

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.

My wife and I are saving $50,000 to buy a rental property in 2027. Our CD ladder strategy should earn us around $2,100 in interest. Buying CDs now locks in today's top interest rates and protects us ...

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.

Short-term CDs offer flexibility and top rates today, while long-term CDs protect you from the rate cuts likely coming next ...

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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 ...

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 ...

The Federal Reserve recently cut interest rates for the first time this year, while also projecting a drop in rates into 2027. Certificate of deposit (CD) rates are already on the decline -- and ...