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Common Questions About CD Ladders
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- A CD ladder is a group of 4 CDs opened at the same time for the same amount, but for different terms. When each CD matures, its term will change to the longest term of the ladder.A CD ladder can help you build a saving strategy to earn interest over time, while providing you access to a portion of your funds at staggered intervals.
- Clients with a linked Chase Private Client CheckingSM1account can open a CD ladder with a banker at any branch.
- CD ladders may be opened in a branch and cannot be opened online at this time. All 4 CDs in a ladder are opened at the same time, for the same amount, with a minimum of $1,000 in each CD.
- A CD ladder allows you to earn interest, and provides you access to your money at staggered maturity dates.
- We offer two CD ladders:
- 4-month CD ladder made up initially of 1, 2, 3, and 4-month term CDs
- 12-month CD ladder made up initially of 3, 6, 9, and 12-month term CDs
Note: Each CD in the ladder receives its own unique account number and CD receipt at account opening. - Yes,each CD in a ladder is FDIC insured up to the maximum amount allowed by law.
- Each CD will automatically renew to the longest term of the ladder (either 4 or 12 months). You will be reminded of the new term on your CD Maturity Notice, which you will receive as each CD in the ladder reaches maturity.
- You may add or withdraw money in a CD during the grace period following each CD’s maturity date.2
- Interest rates vary based on the account balance at opening or renewal. Meet with a Private Client Banker to see the CD ladder section of the Chase Private Client Deposit Rates for the specific interest rate for each CD term in a ladder.
- A traditional CD cannot be changed to a CD ladder. However, once your traditional CD matures, you can choose to withdraw funds and open a CD ladder as a group of 4 CDs.
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CD Text Message Program: Message and data rates may apply. For help call 1-800-935-9935. For help call 1-800-935-9935. Reply STOP to 87256 to no longer receive Chase CD text messages until you provide your consent again. CDARS ® – the Certificate of Deposit Account Registry Service ® – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD-level rates, which often compare favorably to Treasuries and money market mutual funds.