What Is a CD Ladder and How Does It Work?

Text Callout : Key Takeaways - What Is a CD Ladder and How Does It Work? When building savings, some Americans use a ladder – a CD ladder, that is. A certificate of deposit allows you to deposit money ...
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Bump-up CDs: What they are and how they work

Bump-up CDs allow you to raise your interest rate at least once during your CD term. Guidelines and restrictions on bump-up CDs vary between financial institutions. Bump-up CDs are generally most ...
The Motley Fool

No-Penalty CDs: Overview and How They Work

No-penalty CDs allow early withdrawal without fees, offering flexibility in unforeseen situations. These CDs feature lower interest rates than traditional CDs, trading higher yields for withdrawal ...

CD Rates Today: January 12, 2026 – Rates As High As 4.94%

Today's highest CD rate is 4.94% for a jumbo 6-month CD. CD rates from online banks are commonly twice as high as the national average rates. CD ladders let you leverage high rates without locking up ...