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The easy and hassle-free way to invest.

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.

Smart Ladder CDs Features and Benefits
  • 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.
Questions? We're Here to Help.

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.

Interest Rates and Annual Percentage Yields for Smart Ladder CDs

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

Increased FDIC Protection

The Federal Deposit Insurance Corporation (FDIC) basic deposit insurance coverage has been temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. After that time, it will revert back to the $100,000 limit. The separate $250,000 of coverage per depositor for certain retirement accounts (like Traditional and Roth IRAs) will remain at $250,000, even after December 31, 2013.

*T. Rowe Price Saving Bank is a member of the FDIC and offers CD products. Other T. Rowe Price affiliates, including T. Rowe Price Investment Services, Inc., are separate entities. While the Savings Bank’s CDs are FDIC-insured, all other products offered by T. Rowe Price affiliates are not FDIC-insured and are not a deposit of or guaranteed by the Savings Bank. Such products are subject to investment risk, including possible loss of the principal amount invested.
Copyright 2009, T. Rowe Price Savings Bank. All rights reserved.