A "CD ladder" may sound like some complex investing strategy, but it's actually very simple. It allows you to earn high interest without keeping all of your savings locked up for months or years.

Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates.

Read on to learn about the best banks for CD rates in 2026.

(CNN) — If you have a lot of cash on hand, it should be making money for you. One way to ensure it continuously does that is to set up a ladder of Treasuries or FDIC-insured certificates of deposit ...

If you’re concerned that rates will fall in the future, a five-year CD can help you guarantee a fixed yield for several years ...

In the current environment, certificates of deposit (CDs) continue to offer competitive interest rates. Some traditional CD accounts and jumbo CD accounts offer an attractive annual percentage yield ...

(APY) between . Available terms range from three months to 10 years, and there’s no minimum deposit required to open an ...