Retirees and savers looking for safe returns often compare high-yield savings accounts (HYSAs) with certificates of deposit (CDs). Laddering CDs—staggering maturities across different terms—has long been a strategy to balance access with higher interest. But as interest rates shift and taxes bite into earnings, the math is less clear. Many households wonder if a CD ladder still outperforms HYSAs once Uncle Sam takes his share. Here’s what retirees need to know before locking in or switching strategies.
