A CD ladder combines the best of short- and long-term CDs: regular access to funds and high interest rates.
Spencer Tierney tells us more about their working method.

Recommended articles:
What is a CD ladder?: https://www.nerdwallet.com/article/banking/what-is-a-cd-ladder
Are CDs Worth It?: https://www.nerdwallet.com/article/banking/cds-right-now
Ask a Nerd: When and Why Should I Open a CD?: https://www.nerdwallet.com/article/banking/when-why-to-open-cds

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