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CD ladder

tempted by
long-term
rates? hate to
be locked in?


In an environment of rising rates, a CD ladder might be the right solution.

benefits of a CD ladder.

how to build a CD ladder

3

steps to build a CD ladder

  1. Divide your total investment across multiple CDs with different maturity terms.
  2. At maturity of each CD, reinvest earnings into the longest-term CD within your ladder.
  3. After the 1st rollover, CDs will automatically renew for the same term at maturity.

5 year CD ladder: a simple example

total investment = $25,000



need funds?
In this example, you can withdraw $5,000 plus interest earned annually as your CDs mature.

CD ladder calculator

if you invest

for a

5yr

CD ladder

open your ladder

potential interest earned after [term] years:

CD ladder

1yr CD (renewed annually)

open your ladder

The above calculations are based on your initial investment amount and today’s rates.  Rates of future CD rollovers will reflect current market conditions at that time.

simple sign-up

5

minutes is all it takes.

Apply for a Citizens Access CD ladder in a few easy steps

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FAQs


Why save with Citizens Access?

Because we are 100% committed to providing the best savings experience. We offer market-leading rates, with no promotions or teasers. And no fees for anything. Plus we're FDIC-insured^. Smarter, simpler savings. period.

What is a CD ladder?

A CD ladder is a savings strategy that invests your savings across multiple CDs with staggered maturity dates. When each CD term ends, funds are reinvested in CDs with longer maturities, providing higher interest rates.

What are the benefits of a CD ladder?

CD laddering allows you to invest money in both short-term and long-term CDs so that you can benefit from higher earnings while having greater access to your funds. Benefits include:
     - Access to longer-term rates
     - Increased fund availability
     - Limited interest rate risk

How can I build a CD ladder?

Building a CD ladder is easy.  Follow these 3 simple steps:

1. Divide your total investment across multiple CDs with different maturity terms.
2. At Maturity of each CD, reinvest earnings into the longest-term CD within your ladder.
3. After the 1st rollover, CDs will automatically renew for the same term at maturity.

What do I do when an Online CD in my ladder matures?

At maturity of each CD, to maintain the CD ladder you should reinvest earnings into the longest-term CD within your ladder.

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