Joel is a full-time Personal Finance Writer at Motley Fool Money, where he brings a clear, approachable voice to topics ranging from credit cards to side hustles. He’s been writing about money since ...

When building savings, some Americans use a ladder — a CD ladder, that is. A certificate of deposit allows you to deposit money into an interest-bearing account and lock in an interest rate for a set ...

We might earn a commission if you make a purchase through one of the links. The McClatchy Commerce Content team, which is independent from our newsroom, oversees this content. A certificate of deposit ...

We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation. Jessica Gibson is a content update editor and writer for Investopedia. She has over ...

CD ladders use different maturities to maintain access to funds at regular intervals while guaranteeing a return. Short-term CD ladders are often used as part of an emergency fund strategy. Long-term ...