Montana Trainer wrote:
I'd like to do some laddering with CD's, and wonder if there's
a template out there that is set up to show the return I'd get
with different rates and for 3, 6 and 12 month periods.

I do not know about an Excel template, but I did not find a
calculator at bankrate.com that might serve your purpose. Go to
http://www.bankrate.com/brm/savings-.../cd-ladder.asp , and
read http://www.bankrate.com/brm/news/sav/20010521b.asp .