A CD ladder is a simple way to earn more on your cash without locking it all up. Here's why it makes sense for 2026.

High-yield savings account: According to DepositAccounts.com, as of January 2026, the top-yielding 1% of high-yield savings ...

Miranda Marquit, MBA, is a freelance contributor to Newsweek’s personal finance team. She has an M.A. in journalism from Syracuse University and has been writing and podcasting about money since 2006.

A "CD ladder" may sound like some complex investing strategy, but it's actually very simple. It allows you to earn high interest without keeping all of your savings locked up for months or years.

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.

The best CD rates today go up to 5.11% APY. Lock in a high rate now to grow your savings before the next Fed rate drop cuts ...

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. The post-pandemic era made getting a good CD rate simpler as rates on ...

Certificates of deposit (CD) accounts have spiked in popularity in recent years among savers seeking to take advantage of a sharp rise in their yields. According to January 2022 data from the Federal ...

Learn how to shop around, match terms, and earn higher than average APYs. Here's how to make more out of your CD investments ...

(CNN) — If you have a lot of cash on hand, it should be making money for you. One way to ensure it continuously does that is to set up a ladder of Treasuries or FDIC-insured certificates of deposit ...