Educational comparison
CD ladder rate inputs
Current highest published rate by potential rung
| Rung | Institution | Term | APY | Comparison |
|---|---|---|---|---|
| 3-mo CD | Popular Direct | 3 months | 4.30% | Compare rung |
| 6-mo CD | First Bank of the Lake | 7 months | 4.55% | Compare rung |
| 1-yr CD | Newtek Bank | 13 months | 4.70% | Compare rung |
| 18-mo CD | Bread Savings | 18 months | 4.85% | Compare rung |
| 2-yr CD | Merrick Bank | 24 months | 4.85% | Compare rung |
| 3-yr CD | Merrick Bank | 36 months | 4.90% | Compare rung |
| 4-yr CD | Popular Direct | 48 months | 4.95% | Compare rung |
| 5-yr CD | Sallie Mae Bank | 60 months | 5.00% | Compare rung |
An illustrative ladder divides money across maturities so portions mature at different times. This snapshot does not select an allocation, account for liquidity needs, or predict reinvestment rates.
Methodology and limitations
BrinkerAdvisor publishes a bounded comparison dataset assembled from public source pages. CD rankings include up to three nationwide bank options per maturity and exclude credit unions, products not identified as FDIC-insured in the source workflow, and offers with explicit state or customer-eligibility restrictions.
Rates, yields, availability, minimum deposits, penalties, tax treatment, and offering details can change. Verify all terms with the original source before acting. This page is educational information, not a personalized recommendation or an offer to buy or sell a security.