{"id":22140,"date":"2025-11-10T23:44:05","date_gmt":"2025-11-10T23:44:05","guid":{"rendered":"https:\/\/incredipros.com\/?p=22140"},"modified":"2025-11-10T23:44:06","modified_gmt":"2025-11-10T23:44:06","slug":"cd-ladder-what-it-is-and-how-to-build-one","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=22140","title":{"rendered":"CD Ladder: What It Is And How to Build One"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            LUHUANFENG\/Getty Images; Illustration by Bankrate\n        <\/p>\n<\/p><\/div>\n<div>\n<div id=\"block_5c8baa84572d40d93b2e276a13da1c6e\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            A CD ladder splits your money across multiple CDs with staggered maturity dates \u2014 giving you regular access to funds while earning the higher rates that longer-term CDs offer.&#13;<\/p>\n<\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            For example, you could invest $5,000 across five 1-year CDs opened at different times. As each matures annually, you reinvest at the best available 5-year rate, eventually building a ladder of five 5-year CDs with one maturing every year.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Current top 5-year CD rates are above 4% APY. A $10,000 CD ladder could earn approximately $2,200 in interest over five years, compared to $500 in a traditional savings account earning 1% APY.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            CD ladders work best for medium-term goals (2-5 years away) like a home down payment or car purchase \u2014 not emergency funds, which belong in high-yield savings accounts with instant access.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>A CD ladder spreads your savings across multiple certificates of deposit with different maturity dates, creating regular access points while capturing the higher interest rates that longer-term CDs offer. This strategy solves the classic CD dilemma: locking money away for years to get better rates, or accepting lower returns to maintain flexibility. With a properly built CD ladder, you get both \u2014 higher yields and access to a portion of your money every 6-12 months. <\/p>\n<p>Currently, top 5-year CD rates hover around 4.00% APY, making laddering an attractive middle ground between the instant access of savings accounts and the commitment of long-term bonds.<\/p>\n<h2 id=\"What-is-a-CD-ladder\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What is a CD ladder?\" data-outcome=\"\">What is a CD ladder? <\/h2>\n<p>A CD ladder is a savings strategy where you open multiple CDs with different maturity dates \u2014 say, 1-year, 2-year, 3-year, 4-year, and 5-year terms \u2014 all at once. As each CD matures, you reinvest that money into a new long-term CD (typically 5 years) at whatever rate is available then. <\/p>\n<p>The result: After your initial setup period, you have a CD maturing every year, giving you regular access to funds without sacrificing the higher rates that longer-term CDs offer.<\/p>\n<p><strong>Here\u2019s how it works in practice:<\/strong><\/p>\n<p>You have $5,000 to invest. Instead of putting it all in one 5-year CD (and locking it away completely), you split it into five $1,000 CDs: <\/p>\n<ul class=\"wp-block-list\">\n<li>CD 1: 1-year term <\/li>\n<li>CD 2: 2-year term <\/li>\n<li>CD 3: 3-year term <\/li>\n<li>CD 4: 4-year term <\/li>\n<li>CD 5: 5-year term<\/li>\n<\/ul>\n<p>When CD 1 matures in year one, reinvest that $1,000 (plus interest) into a new 5-year CD. When CD 2 matures in year two, do the same. By year five, all your CDs are 5-year terms earning top rates \u2014 but one matures annually.<\/p>\n<div id=\"block_cf2068370dca82f73cd8771bdfdfcb0b\" class=\"flex flex-col gap-8 my-6 not-wysiwyg\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Rate protection both ways: Rising rates? Your maturing CDs can catch the wave. Falling rates? Your existing long-term CDs stay locked at yesterday\u2019s better rates.<\/li>\n<li>Liquidity on your terms: A CD matures every 6-12 months (depending on your ladder structure), giving you regular decision points without early withdrawal penalties.<\/li>\n<li>Predictable returns: Unlike stocks, you know exactly what you\u2019ll earn. No surprises, no volatility.<\/li>\n<li>Zero risk to principal: FDIC insurance covers up to $250,000 per depositor, per institution. Your money is as safe as it gets.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Opportunity cost: The S&amp;P 500 has historically returned 10% annually over long periods. You\u2019re trading potential gains for guaranteed safety.<\/li>\n<li>Inflation risk: If inflation runs at 3% and your CDs earn 4%, you\u2019re only gaining 1% in real purchasing power. High inflation years can eat into your returns.<\/li>\n<li>Still partially locked: Yes, you get annual access to a portion of your money \u2014 but you can\u2019t touch a majority of it in any given year without penalties.<\/li>\n<li>Rate timing guesswork: Building a ladder in early 2026? You\u2019re betting rates won\u2019t spike dramatically later in the year.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<p><strong>Bottom line: <\/strong>CD ladders are about maximizing certainty while maintaining some flexibility.<\/p>\n<h2 id=\"how-to-build-a-cd-ladder\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to build a CD ladder: 3-step process\" data-outcome=\"\">How to build a CD ladder: 3-step process <\/h2>\n<h3>1. Decide your structure <\/h3>\n<p>Choose how many CDs you want (3-5 is typical) and your longest maturity. Common setups include: <\/p>\n<ul class=\"wp-block-list\">\n<li>More aggressive liquidity: 6-month, 1-year, 18-month CDs <\/li>\n<li>Standard: 1, 2, 3, 4, 5-year CDs <\/li>\n<li>Maximum yield: All 5-year CDs opened at 1-year intervals<\/li>\n<\/ul>\n<p>Split your total investment equally across all CDs. Have $5,000? Five CDs get $1,000 each. Of course, you can always add more rungs based on your strategy. <\/p>\n<h3>2. Shop for the best rates <\/h3>\n<p>Here\u2019s where most people leave money on the table: They open all CDs at their current bank for convenience. In some cases, this isn\u2019t the best strategy. <\/p>\n<p>Current rate spreads between banks can be 0.5-1.0 percentage points \u2014 that\u2019s $250-500 in lost interest on a $5,000 ladder over five years.<\/p>\n<div class=\"Callout flex flex-col gap-y-6 border-4 border-solid border-blue-100 rounded-lg py-8 px-6 md:px-10 mt-8 mb-16\">\n<p>\n        \u201cMost people default to opening CDs at their existing bank, but rate shopping takes 15 minutes and can earn you hundreds in extra interest,\u201d says Karen Bennett, senior consumer banking reporter at Bankrate. \u201cThere\u2019s zero obligation to keep all CDs at one institution \u2014 spread them out for better returns and FDIC coverage.\u201d<\/p>\n<\/p><\/div>\n<h3>Step 3: Set up reinvestment reminders<\/h3>\n<p>Mark your calendar for 30 days before each CD matures. This gives you time to: <\/p>\n<ul class=\"wp-block-list\">\n<li>Compare current CD rates (they change constantly) <\/li>\n<li>Decide: reinvest to maintain the ladder, or use the funds (here\u2019s a primer on your options when your CD matures) <\/li>\n<li>Avoid automatic rollovers at your current bank\u2019s potentially worse rates <\/li>\n<\/ul>\n<p>Most banks send maturity notifications, but they often arrive with only 10 days\u2019 notice \u2014 which may not be enough time to rate shop properly. Be proactive.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Example: Building a $5,000 five-year ladder\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p><strong>Today (Year 0): <\/strong>Open five CDs at the available rates:<\/p>\n<ul>\n<li>$1,000 in 1-year CD at 3.75% APY<\/li>\n<li>$1,000 in 2-year CD at 4.00% APY<\/li>\n<li>$1,000 in 3-year CD at 4.15% APY<\/li>\n<li>$1,000 in 4-year CD at 4.20% APY<\/li>\n<li>$1,000 in 5-year CD at 4.25% APY<\/li>\n<\/ul>\n<p><strong>Year 1:<\/strong> 1-year CD matures \u2192 Reinvest $1,037.50 (principal + interest) in new 5-year CD<\/p>\n<p><strong>Year 2:<\/strong> 2-year CD matures \u2192 Reinvest $1,081.60 in new 5-year CD<\/p>\n<p><strong>Year 3-5:<\/strong> Continue the pattern<\/p>\n<p><strong>By Year 5: <\/strong>You have five 5-year CDs all earning top rates, with one maturing annually. Total interest earned: approximately $1,100 over five years.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"Alternative-CD-ladder-structures\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Alternative CD ladder structures\" data-outcome=\"\">Alternative CD ladder structures<\/h2>\n<p>There are several ways to modify a traditional CD ladder strategy based on your goals:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Mini CD ladder:<\/strong> Creating a CD ladder with only shorter-term CDs could be an option for savers who don\u2019t wish to invest in longer-term ones. For instance, such a ladder could consist of terms of six, nine, 12 and 18 months.<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Barbell CD ladder:<\/strong> A <u>barbell CD strategy<\/u> is similar to a traditional CD ladder, but the middle rungs are missing. As such, short-term CDs make up one end of the structure, while long-term CDs comprise the other end. A potential benefit of this is you could have access to some of your funds sooner, while taking advantage of longer terms with potentially higher rates, if available.<\/li>\n<li>\n<strong>Bullet CD ladder:<\/strong> Open several CDs with different term lengths that will all mature simultaneously. For example, open a five-year CD now, a four-year CD next year, and a three-year CD the following year \u2013 all maturing in the same target year. This approach works well for planned major expenses like a down payment or college tuition.<\/li>\n<\/ul>\n<h2 id=\"Are-CD-ladders-good-investments\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Are CD ladders good investments?\" data-outcome=\"\">Are CD ladders good investments?<\/h2>\n<p>Short answer: Yes \u2014 but only for the right type of money.<\/p>\n<p>CD ladders are designed to protect money you\u2019ll need in 2-5 years while earning significantly more than what a traditional savings account would pay.<\/p>\n<p><strong>When CD ladders make sense:<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li>You\u2019re saving for a mid-term goal: (wedding in 3 years, home down payment in 4 years)<\/li>\n<li>You want zero risk to principal: (retirement funds in bonds\/CDs, not all stocks)<\/li>\n<li>You can commit funds for at least 1-2 years without touching them <\/li>\n<li>Current CD rates beat savings rates by 1%+<\/li>\n<\/ul>\n<p><strong>When CD ladders don\u2019t make sense:<\/strong><\/p>\n<ul class=\"wp-block-list\">\n<li>This is your emergency fund: Use a high-yield savings account instead. You need instant access to emergency money, and early CD withdrawal penalties (typically 3-6 months of interest) defeat the purpose. <\/li>\n<li>Your time horizon is 10+ years: Historical stock market returns (10% annually) significantly outpace CDs over long periods. For retirement savings decades away, CDs may be too conservative.<\/li>\n<li>You\u2019re chasing maximum returns: Current CD rates won\u2019t match stock market potential.<\/li>\n<\/ul>\n<h3>Rate environment matters<\/h3>\n<p>CD ladders perform best when: <\/p>\n<ul class=\"wp-block-list\">\n<li>Longer-term rates exceed shorter-term rates<\/li>\n<li>Rate volatility is expected (Fed policy uncertain, economy shifting)<\/li>\n<li> Inflation remains moderate (3% or below) <\/li>\n<\/ul>\n<p>CD ladders perform worse when: <\/p>\n<ul class=\"wp-block-list\">\n<li>The yield curve inverts (short-term rates exceed long-term \u2014 not currently the case) <\/li>\n<li>Inflation spikes above CD yields (eroding real returns) <\/li>\n<li>Rates are clearly trending up rapidly (you\u2019d prefer shorter terms to capture increases)<\/li>\n<\/ul>\n<h2 data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\"><strong>Bottom line<\/strong><\/h2>\n<p>CD ladders are a \u201cgood investment\u201d if your definition of \u201cgood\u201d is \u201csafe, predictable, and better than a savings account.\u201d They\u2019re not the best investment if your definition is \u201cmaximum growth potential.\u201d<\/p>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"FAQs about CD ladders\" data-outcome=\"\">FAQs about CD ladders<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-is-laddering-cds-a-good-idea', 'heading-is-laddering-cds-a-good-idea']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-is-laddering-cds-a-good-idea')\" :aria-controls=\"$id('panel-is-laddering-cds-a-good-idea')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Is laddering CDs a good idea?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-is-laddering-cds-a-good-idea')\" :aria-labelledby=\"$id('heading-is-laddering-cds-a-good-idea')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            CD laddering makes sense if you want higher yields than a savings account (currently 1%+ better) while maintaining some liquidity. It\u2019s ideal for mid-term goals 2-5 years away where you can\u2019t afford stock market risk. Skip it if: this is emergency fund money (needs instant access), you have high-interest debt to pay off first (better ROI), or your timeline is 10+ years (stocks historically outperform).\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-much-does-a-10000-cd-make-in-a-year', 'heading-how-much-does-a-10000-cd-make-in-a-year']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-much-does-a-10000-cd-make-in-a-year')\" :aria-controls=\"$id('panel-how-much-does-a-10000-cd-make-in-a-year')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How much does a $10,000 CD make in a year?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-much-does-a-10000-cd-make-in-a-year')\" :aria-labelledby=\"$id('heading-how-much-does-a-10000-cd-make-in-a-year')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>At current rates, a $10,000 CD earns approximately:<\/p>\n<ul>\n<li>1-year CD at 3.75% APY: $375 in interest<\/li>\n<li>5-year CD at 4.25% APY: $425 in year one (compounded annually)<\/li>\n<\/ul>\n<p>For a $10,000 CD ladder (split across 1-5 year terms), you could expect around $400 in year-one interest, with returns increasing as shorter CDs mature and get reinvested at longer terms. Here\u2019s an in-depth breakdown of how much investing $10,000 in a CD could earn you in 1 year.<\/p>\n<p>Calculate your exact returns with our CD calculator \u2192<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"hvk1KJ50xa\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>LUHUANFENG\/Getty Images; Illustration by Bankrate Key takeaways A CD ladder splits your money across multiple CDs with staggered maturity dates \u2014 giving you regular access to funds while earning the higher rates that longer-term CDs offer.&#13; For example, you could invest $5,000 across five 1-year CDs opened at different times. As each matures annually, you<\/p>\n","protected":false},"author":1,"featured_media":22141,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22140","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CD Ladder: What It Is And How to Build One | IncrediPros<\/title>\n<meta name=\"description\" content=\"LUHUANFENG\/Getty Images; Illustration by Bankrate Key takeaways A CD ladder splits your money across multiple CDs with staggered maturity dates \u2014 giving\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=22140\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CD Ladder: What It Is And How to Build One | IncrediPros\" \/>\n<meta property=\"og:description\" content=\"LUHUANFENG\/Getty Images; 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