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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.

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Use this CD laddering calculator to build yours.

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


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

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

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TOTAL AMOUNT AT MATURITY

Customize your ladder

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CD term

APY

Initial deposit

Amount at maturity
TOTAL AMOUNT AT MATURITY

Here’s why you’ll want to open a CD ladder a.s.a.p.

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

CD laddering allows you to take advantage of higher APY rates and place your money where you find the most value.3

Guaranteed returns

Our CDs are FDIC-insured4 and not affected by the stock market. Once your CD ladder is funded, the rate is guaranteed if your CD is held for the full term that you choose.2

What is CD laddering?

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

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. 

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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. 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.

  4. FDIC insured to the maximum allowed by law.

  5. 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.

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