If you need access to your money before your CDs mature, there may be an early withdrawal penalty. You can also explore our No Penalty CD, which allows you to pull money penalty-free.
Since the CDs in a ladder have staggered maturity dates, you can have regular penalty-free access to a portion of your money as each CD within the ladder matures.
We have five different CD options you can leverage for your ladder, with a variety of term lengths.
Compare our CDs and figure out which ones work best for you.