What is CD Laddering?
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Text, U.S. Bank. A savings strategy that works with you. Where can a CD ladder take you. A ladder leans against a piggy bank. Let's talks CDs. Two bars represent savings versus CDs. The initial money is the same for both, bit the growth is about three times as much for the CD as it is for savings.

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SPEAKER: You've probably been hearing more and more about CDs, an account with a set term that typically offers higher returns than a traditional savings account.

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Text, Grow your money with guaranteed returns.

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They're a great, low-risk way to grow your money on your schedule and see guaranteed returns covered by the FDIC.

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When to build a ladder. A calendar hangs on a red peg.

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But what happens when plans change and you need to access your funds? That's when CD laddering comes into play.

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Text, CD ladders work for you. An arrow points from cash to a 19 month CD.

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This saving strategy spreads your money across multiple CDs so that you can earn returns on shorter-term CDs while you wait for those with longer terms to mature.

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Build to higher rungs. Blue bars represent a 7 month, an 11 month, a 15 month, and a 19 month CS.

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At the end of each CD term, you can choose to withdraw your funds for immediate access or renew and keep building new rungs on your ladder with higher earning potential.

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Title, Customize your ladder. Cash appears above the 7 month CD. A car appears above the 11 month CD. A stroller appears above the 15 month CD. A house appears above the 19 month CD.

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Building a ladder that works with your life moments is important. That's why we've made it easier than ever to customize yours with our "Build Your Ladder" tool.

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Text, Create a strategy designed for you. A computer monitor pops up and a line graph forms on the monitor.

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See how term lengths and earning potential can work together to create a laddering strategy designed for your life and goals.

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A checkmark appears beside the items competitive rates, low risk, and guaranteed returns on a clipboard.

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In short, ladders can help you maintain access to cash without giving up high-earning CD rates. The best part, your CDs at U.S. Bank are all FDIC insured up to $250,000.

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Text, where can a CD ladder take you?

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Talk to a banker today to find out where a CD ladder can take you.

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Text, U.S. Bank. Equal Housing Lender. Deposit products are offered by U.S. Bank National Association. Member FDIC. Copyright 2023 U.S. Bank.

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