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What is a CD ladder?

A CD ladder is a savings strategy that spreads your money across multiple CDs to maintain frequent access to cash while receiving high-yield returns.

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Build your CD ladder in 3 simple steps.

Decide the amount of your deposit and the term length for your investment.

Use the CD laddering calculator to see 
your investment spread across multiple 
term lengths. Customize your ladder to 
align with your goals.12

When your first CD matures, you can reinvest your returns into a new CD or withdraw or transfer the funds.

Already bank with us? Log in to view personalized CD rates.

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See how CD laddering boosts your savings

Enter your ZIP code to explore the rates in your area. Customize your CD ladder to plan access to your money when you need it.


The Annual Percentage Yield (APY)3 is based off of the U.S. Bank CD Special and is effective currentdate


Enter an amount between $2,000 to $1,000,000.

Fill in the information, to the left, and click “Build your CD ladder”.

CD Laddering Calculator
TOTAL AMOUNT AT MATURITY

Customize your ladder

Make an appointment Edit Fund your CD Ladder
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CD term

APY

Initial deposit

Amount at maturity
TOTAL AMOUNT AT MATURITY

To deposit more than $250,000 into any CD in your ladder, you’ll need to set up an appointment with a banker.

Make an appointment

The benefits of CD laddering

Control over your savings

CD laddering spreads your money over multiple CDs with varying terms, providing more control on when you have access to your money.

More for your money

A CD ladder lets you take advantage of higher APY rates on long-term CDs and place your money where you find the most value.4

Guaranteed returns

Our CDs aren't affected by the stock market.2 Once your CD ladder is funded, the rate is guaranteed if your CD is held for the full term that you choose.4

Common questions about CD laddering

The first step in CD laddering is to select your deposit amount and longest-term length. The deposit amount is then split up evenly across multiple CDs. Each CD created represents a rung in your ladder.

CD ladders through U.S. Bank are FDIC-insured.3 That means the money deposited in the CDs is protected for up to $250,000.

You can access your money every time a CD in your ladder matures. As each CD matures, you can withdraw or reinvest the balance of that maturing CD.

Rates vary and are determined at the bank's discretion.  Check out our current certificate of deposit rates.

You can reinvest your returns into a new CD, transfer into a U.S. Bank account or withdraw your funds.

No money can be added to pre-existing CDs in your ladder. However, you can open more CDs and add them to your ladder at any time.

Once you have funded your CD ladder, no deposit amounts, terms or rates can be adjusted.

CD ladders can be a good idea, but it depends on your financial goals and risk tolerance. Perhaps the biggest benefit of CD laddering is certainty. You know how much your CDs will earn on the day you open them.

Additionally, the staggered maturity dates mean all your money won't be tied up at the same time.

Next steps

Call 844-214-5458
Visit a branch
Make an appointment
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Disclosures

  1. $1,000 minimum opening deposit for a single CD with a maximum of $250,000. $2,000 minimum opening deposit for a CD ladder comprised of at least 2 CDs up to a maximum of $1,250,000 for up to 5 CDs.

  2. Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD Specials, that is closest to but not exceeding the term of the CD. Advertised rate and APY are offered at the bank's discretion and may change daily.

  3. FDIC insured to the maximum allowed by law.

  4. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the APY will be made at the end of the term or annually, whichever occurs first. Penalty will be imposed for early withdrawal. Fees could reduce earning on the account.

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Online application is not valid for single maturity CDs, business or retirement CDs, brokerage deposits, institutional investors, public funds or in conjunction with other promotional offers.

Deposit products are offered by U.S. Bank National Association. Member FDIC.