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But with a CD ladder, that's a situation you can avoid. So, let's say you want to keep $30,000 in CDs as a retiree. What you may decide to do is open a 12-month CD every month in the amount of $2,500.
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Where the national average is 0.45% at a traditional bank, yields at digital banks range from 0.5% up to 5% or more for high-yield savings and money market accounts. You won’t pay high fees.
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Today's best rates of returns are found at FDIC-insured digital banks and online accounts paying out a limited promotion of up to 5.25% APY on a 10-month CD at Langley Federal Credit Union and up ...
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