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    How CD Laddering Works

    Evenly split your investment into several FDIC-insured CDs with different maturity lengths.

    Example: Build a CD Ladder with $12,500

    1. Invest $2,500 in five CDs with a range of rates and maturity lengths. Each year of maturity is a step on the ladder.

    2. When the 1-year CD matures, contact us to reinvest that money in a new 5 year CD. By this time your original 5-year CD has only 4 years left until it matures.

    3. At the end of five years, you'll have five 5-year CDs on your ladder. One of those 5-year CDs will mature each year, giving you access to money that's been growing at the rates paid on 5 Year CDs.

    Follow the steps to ladder your CDs for annual access to your money.
    Estimate Your Savings with our CD Calculator
    CD Laddering FAQs
    Call us to set up a CD Ladder, 1-800-374-9500 (TTY 1-800-788-0002) or visit your local Citibank branch.

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