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Building a certificate of deposit ladder
Balance higher rates with regular access to cash.
A ladder divides savings into certificates with different maturity dates. When the shortest matures, you reinvest it in the longest term, so something matures on a regular schedule.
Example: $20,000 divided into four $5,000 certificates of 6, 12, 24 and 36 months. Each time one matures you can spend it or renew at the longest term.
Compare current rates on the Rates page and try the savings calculator.
