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Banking

What is a CD ladder?

Quick Answer

A CD ladder is a series of certificates of deposit with staggered maturity dates. As each CD matures you reinvest in a new long-term CD, getting steady access to funds plus higher long-term rates.

Five-rung $50,000 CD ladder structure.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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