Constructor de Escalera de CD
Key Financial Terms
Understand the essential concepts behind this calculator
CD Ladder
A savings strategy where you divide money across multiple CDs with different maturity dates to balance higher rates with liquidity.
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Rolling CD
A CD laddering strategy where you invest in multiple CDs with different maturity dates to balance higher yields with liquidity needs.
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Preguntas Frecuentes
Preguntas comunes sobre Constructor de Escalera de CD
Una escalera de CD es una estrategia de inversión donde compras múltiples CD con fechas de vencimiento escalonadas. En lugar de poner todo el dinero en un solo CD, lo distribuyes entre CD con diferentes plazos (por ejemplo, 1, 2, 3, 4, 5 años). Después de la configuración, un CD vence cada año, dándote liquidez anual mientras ganas tasas más altas a largo plazo.
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Sources & References
High-Yield Savings Account Rates (2024-2025)
• Top online banks: 4.00-4.75% APY
• Traditional big banks: 0.01-0.46% APY
• Difference: 100-475x higher returns with high-yield accounts
• Example: $10,000 at 4.5% = $450/year vs $1/year at 0.01%
• Traditional big banks: 0.01-0.46% APY
• Difference: 100-475x higher returns with high-yield accounts
• Example: $10,000 at 4.5% = $450/year vs $1/year at 0.01%
Certificate of Deposit (CD) Rates (2024-2025)
• 6-month CD: 4.50-5.25% APY
• 1-year CD: 4.75-5.50% APY
• 5-year CD: 4.00-4.75% APY
• CDs lock in your rate but penalize early withdrawal
• 1-year CD: 4.75-5.50% APY
• 5-year CD: 4.00-4.75% APY
• CDs lock in your rate but penalize early withdrawal
Average Bank Fees (2024)
• Monthly maintenance fee: $5-25/month (waivable with minimum balance)
• Overdraft fee: $25-35 per occurrence
• Out-of-network ATM fee: $3-5 per withdrawal
• Wire transfer fee: $15-30 domestic, $35-50 international
• Average American pays $200-400/year in bank fees
• Overdraft fee: $25-35 per occurrence
• Out-of-network ATM fee: $3-5 per withdrawal
• Wire transfer fee: $15-30 domestic, $35-50 international
• Average American pays $200-400/year in bank fees
Credit Card Rewards Programs
• Flat-rate cashback cards: 1.5-2% on all purchases
• Category bonus cards: 3-5% on specific categories (dining, gas, groceries)
• Points-based cards: 1-5x points (value varies: $0.01-0.02/point)
• Average credit card user earns $200-500/year in rewards
• Category bonus cards: 3-5% on specific categories (dining, gas, groceries)
• Points-based cards: 1-5x points (value varies: $0.01-0.02/point)
• Average credit card user earns $200-500/year in rewards
FDIC Insurance Limits
• Coverage: $250,000 per depositor, per insured bank
• Covers checking, savings, CDs, money market deposit accounts
• Does NOT cover investments (stocks, bonds, mutual funds, crypto)
• Covers checking, savings, CDs, money market deposit accounts
• Does NOT cover investments (stocks, bonds, mutual funds, crypto)
Money Market Account Rates (2024-2025)
• Top money market accounts: 4.00-4.75% APY
• Often have check-writing and debit card access
• Higher minimum balance requirements than savings accounts
• Monthly withdrawal limits removed in 2020 (COVID regulation change)
• Often have check-writing and debit card access
• Higher minimum balance requirements than savings accounts
• Monthly withdrawal limits removed in 2020 (COVID regulation change)
Online vs. Traditional Banks
• Online banks offer 50-100x higher savings rates (lower overhead costs)
• 60% of Americans still use traditional banks for primary checking
• Online-only banks: Ally, Marcus, Discover, American Express, Capital One 360
• 60% of Americans still use traditional banks for primary checking
• Online-only banks: Ally, Marcus, Discover, American Express, Capital One 360
Tip
Shop around for better rates. Moving to a high-yield savings account and no-fee checking can save $500+ annually in fees while earning significantly more interest.
⚠️ Tip