Thanks for your reply. The ladder idea makes sense.
This will probably sound silly to you, but here's my online banking question: Suppose I find a bank online with a CD rate I like. How do I physically get my money from the savings account it's currently sitting in to the online bank? Do I take it out as a cashier's check, then mail it in to the online bank's address? The money is currently in a rather local, small bank.
Thanks again!
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