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CD ladder calculator
Divide a deposit across staggered CD maturity dates.
Build an equal-allocation ladder using a shared estimated APY. Actual CD ladders often use different rates for each term.
Illustrative maturity schedule
| CD | Term | Opening amount | Estimated maturity |
|---|
Calculation limits: The tool does not reinvest maturing CDs and applies one APY to every term for illustration.
Use estimates to ask better questions.
Compare several scenarios, then review current disclosures and written offers before making a financial commitment.