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Split your cash across staggered CDs so a rung matures every year — locked-in rates without locking up everything.
With 6 rungs, the sixth rung reuses the 5-year rate — most banks top out there. HYSA rates float; CD rates are locked for the term.
All-in HYSA at 4.10% would earn $1,025 in year one. The HYSA wins today, but its rate can fall at any time. The ladder trades a little yield for certainty.
| Rung | Amount | APY | Year-1 interest |
|---|---|---|---|
| 1-year CD | $5,000 | 4.30% | $215 |
| 2-year CD | $5,000 | 4.00% | $200 |
| 3-year CD | $5,000 | 3.90% | $195 |
| 4-year CD | $5,000 | 3.85% | $193 |
| 5-year CD | $5,000 | 3.80% | $190 |
One rung matures every year. Each time one does, you can spend it or re-invest into a new long-term CD at the back of the ladder — after a full cycle, every rung earns the (usually higher) long-term rate while you still get yearly access to cash.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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