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Decide the amount of your deposit and the term length for your investment.
When your first CD matures, you can reinvest your returns into a new CD or withdraw or transfer the funds.
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 U.S. Bank’s CD Special and is effective January 18, 2024 currentdate
Fill in the information, to the left, and click “Build your CD ladder”.
Amount at maturity
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.
Frequently asked questions
A CD ladder is a savings strategy where you can take advantage of CD rates with varying terms, while having more control over accessing your money. To start, select your deposit amount and longest-term length. The deposit amount is then split up evenly across multiple CDs, and each CD created represents a rung in your ladder.
You can access your money every time a CD in your ladder matures.
Rates vary and are determined at the bank's discretion. Visit our Certificate of Deposit page to check out current 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.