Calculator · Live

CD Ladder Builder.

Tell us the amount and your horizon. We'll pick the top CD rate for each rung across our covered banks and credit unions, and hand you a plan with a maturity calendar you can download. Educational only, not financial advice.

Why a ladder beats a single CD

A single CD forces a single decision: which term. Lock too short and you miss higher long-term rates; lock too long and you can't touch the money when life requires it. A ladder splits the balance across multiple terms so a rung matures on a regular cadence. You get regular access to cash while still benefiting from longer-term rates on the back rungs.

When the yield curve is inverted — short-term CDs paying more than long-term — the math flips. The tool detects the inversion and weights toward the short end with a HYSA buffer for liquidity.