I moved some cash from MM to CDs 3 months ago and purchased a 3,4,5 year ladder. The best I could do was 3.65% & 3.75% because I chose non-callable (I was burned the first time I bought a CD ladder by purchasing callable CDs because they had a higher return). Not sure if this is helpful to you - I’m trying to hold cash for a longer time frame than you.
Comments
I moved some cash from MM to CDs 3 months ago and purchased a 3,4,5 year ladder. The best I could do was 3.65% & 3.75% because I chose non-callable (I was burned the first time I bought a CD ladder by purchasing callable CDs because they had a higher return). Not sure if this is helpful to you - I’m trying to hold cash for a longer time frame than you.
Post: Should I Lock in CD Rates Now or Stay in Money Market?
Link to comment from January 13, 2026