CD Laddering Strategies

In our CD laddering introduction we discussed what a CD ladder is, now lets take a look at a strategy that maximizes our returns from bank CD investments.

CD ladder Strategy

1. $1000 in a 3 month CD at 2.5%.

2. $1000 in a 6 month CD at 3.0%.

3. $1000 in a 9 month CD at 3.05%.

4. $1000 in a 12 month CD at 3.25%.

5. $1000 in a 15 month CD at 3.5%.

6. $1000 in a 18 month CD at 3.65%.

7. $1000 in a 21 month CD at 3.75%.

8. $1000 in a 24 month CD at 3.95%.

9. $1000 in a 27 month CD at 4.0%.

10. $1000 in a 30 month CD at 4.05%.

11. $1000 in a 33 month CD at 3.55%.

12. $1000 in a 36 month CD at 3.75%.

13. $1000 in a 39 month CD at 3.80%.

14. $1000 in a 42 month CD at 4.00%.

15. $1000 in a 45 month CD at 4.05%.

16. $1000 in a 48 month CD at 4.05%.

17. $1000 in a 51 month CD at 4.05%.

18. $1000 in a 54 month CD at 4.05%.

19. $1000 in a 57 month CD at 4.00%.

20. $1000 in a 60 month CD at 4.05%.

Handling your Bank CDs upon maturity: Your first CD will mature after 3 months. At that time, you will need to reinvest the yield+principle in the longest term CD available. Please Note – there will be no way to know exactly what the best return is at that time, so we recommend that you return to BankVibe.com to find the best returns and/or update your CD ladder strategy.

For CD’s with durations of time that may be difficult to find (ie. a 39 month bank CD) we recommend putting your money in a high yield savings account or an online savings account so that your money is easily accessible while earning a high interest at the same time.