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Calculators

CD Ladder Calculator

See how staggering certificate maturities can give you both returns and access.

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Stagger maturities

Ladder

Funds come due

Access

Compare terms

Returns

Plan cash flow

Plan

What you get

Every product comes with clear pricing, straightforward terms, and access to a banker who can answer questions before and after you open it.

Build a ladder

Split a balance across CDs with staggered maturity dates.

Planned access

See when each portion comes due.

Compare approaches

Contrast a ladder with a single certificate.

Match your timeline

Size the ladder to when you expect to need the money.

Common questions

Answers to the things people ask most about this product.

What is the downside of a CD ladder?

Some portions are locked at lower rates while others mature at current rates.

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