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Let's Talk CD Ladders

Take your savings to new heights.

Leverage a CD ladder to increase your savings power.

CD ladders – it's all about the climb

A CD ladder is a group of CDs with varying term lengths and rates. When a CD reaches the end of its term, you can renew it to keep your ladder building or access your cash penalty-free.

  • Align CD terms with your goals so you can access money when you need it

  • Enjoy the stability of continuous returns throughout the life of your CD ladder

  • Put away as much or little as you want with no minimum deposits

  • Feel confident knowing your CDs are FDIC-insured up to the maximum amount allowed by law

  • Get the best CD rate we offer with the Ally Ten Day Best Rate Guarantee

Breaking down a CD ladder.

Distribute your money

Let’s say you have $3,000 you want to put into a CD ladder. You can distribute that money evenly across three different CDs:

$1,000 in a 1-year High Yield CD

$1,000 in a 2-year Raise Your Rate CD

$1,000 in a 3-year High Yield CD

Renew or cash out

As each CD expires, renew with a 3-year CD term to extend your ladder into the future or take your money penalty-free.

Rinse and repeat

Keep renewing to keep your ladder growing. If you need to cash out, you’ll have access to one of your CDs every year.

View a detailed example

Keep in mind, this is just an example. Explore our current terms and rates to build a ladder that works for your savings goals.

Setting up your CD ladder.

Minimal assembly required.

Start with how much money you want to put away.

Fund your CD ladder with a sum of money you won’t need in the immediate future. You’ll divide this amongst the CDs you choose.

Decide how many CDs you’ll need.

Pick how many CDs you want to spread your savings across – and the CD types you’ll want to leverage. If you've already got CDs, roll them into a ladder.

Check out what we offer

Open your CDs (or renew existing ones) with staggered maturity dates.

Figure out what timeline works best for your financial needs. Maybe that’s a shorter-term ladder with 3, 6, and 9-month CD terms – or something longer term like 3, 4, and 5-year CD terms. Create a mix perfect for you.

Let your ladder climb.

Once it’s set, sit back and watch your interest accrue.

When a CD reaches maturity, renew it or access your cash.

Renew your CD to keep your ladder building or use your funds penalty-free.

We reward you to keep climbing.

We currently offer a 0.05% Loyalty Reward when you renew your CD with us. Check back 30 days before your CD matures to see what the reward is at that time.

Our CD collection.

Take a closer look at what we offer.

High Yield CD



  • Choose from a variety of terms each offering a competitive fixed rate

  • Early withdrawal penalty applies

  • Available as an IRA High Yield CD

Raise Your Rate CD



  • Raise your rate once over the 2-year term or twice over the 4-year term if our rate for that term goes up

  • Early withdrawal penalty applies

  • Available as an  IRA Raise Your Rate CD

No Penalty CD



  • Available with an 11-month term

  • Flexibility prior to maturity

  • Withdraw your money any time after the first 6 days following the date you funded the account and keep the interest earned with no penalty

Our Annual Percentage Yields (APYs) are accurate as of 

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