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 Certificate of Deposit (CD) laddering strategy allows investors to benefit from higher interest rates while maintaining access to liquidity. By staggering the maturity dates of different CDs, ...

CD ladders use different maturities to maintain access to funds at regular intervals while guaranteeing a return. Short-term CD ladders are often used as part of an emergency fund strategy. Long-term ...