Articles tagged “CD ladder”
2 articles
savings15 min read
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CDs vs. Treasury Bills: Which Offers Better Returns in 2026?
CDs offer deposit insurance and simple fixed APYs; Treasury bills offer federal backing and no state or local tax on interest. The after-tax winner depends on yield, state tax, and liquidity.
SmartRates Editorial Team
July 26, 2026
savings7 min read
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CD Rates Are Slipping in 2026: Should You Lock In Now or Wait?
The best CDs paid 5% in 2024. Today the top rate is closer to 4.30% — and the Fed's next move is more likely down than up. Here's how to think about locking in before rates fall further.
SmartRates Editorial Team
June 23, 2026