The CD bundle is designed to help you navigate interest rate changes by balancing short and long-term CDs.  By allowing funds to mature at staggered intervals you are able to both take advantage of possible higher rates to reinvest the shorter-term mature portion of funds and if rates drop you are able to keep the longer term funds locked in at the higher rate.

This strategy helps you make sure you don’t have to commit all your funds to a long-term CD. Short-term CDs offer flexibility, while longer-term CDs provide stability. Together, they create a balanced approach to optimize your returns while keeping your savings accessible at regular intervals.