A certificate of deposit offers a fixed interest rate, but penalty-free withdrawals aren't allowed. With a CD ladder, you split your total deposit into multiple CDs with different maturity dates.

A fixed-rate certificate of deposit (CD) is a type of savings account that locks up your money with a set interest rate for a set term. Upon maturity of a CD, holders can either withdraw the ...

How a CD ladder works. Let’s say you have $30,000 to invest in a high-yield CD. You might put the entire lump sum into a long-term CD of 12 months or longer to earn a high rate of return.

While Fed rate decisions influence what you earn on savings, the type of bank and account you choose matters more than actual rate changes, making it important to pick high-yield options that respond ...

The ReadyLadder modular ladder system has undergone rigorous testing and has been officially certified to meet NSF, ANSI and CAN 61 standards for water contact. When customers’ applications demand the ...

Adjust Your Expectations. The starting point for fixed-income investing in a time of ultra-low rates is to set the right expectations. With 30-year Treasury yields below 1.5% and shorter-duration ...