CD Laddering If you are interested in investing in an FDIC insured product, consider laddering your CD holdings. CD laddering is an attractive way to use CDs to create a safe, secure, and predictable rate of return. The problem individual CD buyers with scattered holding face are interest rate risk, low or limited liquidity, and FDIC insurance limitations if you have over $250,000. By laddering your CD holdings with CCF you can make sure you are maximizing current and future rates, set your own liquidity, and keep FDIC insurance on your entire account balance by buying Brokered CDs. If you have at least $1 million in FDIC holdings call us or take advantage of our Free Consultation to get a second opinion on your CD strategy.