Want to earn more money the easy way? Learn how a CD ladder works and how it can supercharge your savings in 2025.

See how much interest you could earn by putting $20,000 into a CD -- plus where to find the best rates right now.

If you put $20,000 in a 6-month CD with a 4.00% APY, your interest earnings would total about $396 when the CD matures.

Here's why opening a 6-month CD in July 2025 could be a smart, low-risk move for savers -- and how to tell if it's the right fit for you.

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