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Laddering is based upon the premise of not putting all your eggs in one basket or in this case, all your money in a single CD. A CD Ladder is a group of FDIC insured, guaranteed rate CDs working together as one investment. Your total investment is spread among several individual CDs with terms ranging from short to longer (terms range from 6 – 120 months). This combination of CDs works together to provide higher immediate returns while eliminating the interest rate guesswork from your CD purchase decision. Plus, a CD Ladder can be tailored to best meet your specific savings goals!

Click here for a Short Term CD Ladder example >>

Click here for a Long Term CD Ladder example >>

A High Blended Rate Right from the Start

When you blend or average the rates paid on each of the CDs in your ladder, you see the immediate benefit of earning a higher blended interest rate from the start.

Access to a Portion of Your Money Every 6 or 12 Months

When opening a CD Ladder, you decide how much and how often you want money to be available to you.

Know that You Are Prepared for Interest Rate Changes, Whether Up or Down

If interest rates go up, you can take advantage of the change because a portion of your CD Ladder investment is available to be reinvested every 6 or 12 months. On the other hand, if interest rates go down, you won't suffer an abrupt decrease in your interest earnings because several of the CDs in your ladder will continue to earn at the higher rates you previously locked in.

Dependable Return that Comes with Guaranteed Rate CDs

You cannot and will not ever lose the principal invested in your Dollar Bank CD Ladder, unlike some investments in the stock market or mutual funds. The amount of money that you use to open your CDs, as well as the interest you earn on that balance is guaranteed.

No Fees or Service Charges

Unlike most investment alternatives, there are no management fees, sales loads or other charges for this account.

Account Details

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