Smart Ladder CDs^®

Smart Ladder CDs offer a safe and convenient way to diversify your investment mix while helping to maximize your yield. With a minimum deposit of $25,000 and a single application, T. Rowe Price Savings Bank* can set up your CD ladder, manage the annual renewals, and offer you the highest current interest rates based on your total minimum deposit and applicable term.

• Easy sign up! Open five CDs with just one application.
  
  • Your initial deposit is divided equally into five Smart Ladder CDs of 12, 24, 36, 48, and 60 months.
• Three great ways to invest:
  
  • Classic — $25,000 total minimum deposit
  • Mini-Jumbo — $50,000 total minimum deposit
  • Jumbo — $100,000 total minimum deposit
• Automatic renewal of each of your five Smart Ladder CDs into a 60-month term at each maturity.
• The choice of receiving interest payments as often as monthly or leaving all interest in the accounts to realize the benefits of compounding.

If you have any questions or need assistance, you can call a T. Rowe Price Savings Bank representative so we can work with you toward your goals. Or simply request a T. Rowe Price Savings Bank CD kit online.

Obtain current interest rates and annual percentage yields for Smart Ladder CDs.

The Federal Deposit Insurance Corporation (FDIC) basic deposit insurance coverage is $250,000 per depositor. Please note that there is separate $250,000 coverage per depositor for certain retirement accounts (such as Traditional and Roth IRAs).