CDs are federally insured, just like you’re checking and savings accounts, but they usually come with much better interest rates. In 2023, some CD rates hit 6% or more. The catch? Unlike other bank accounts, CDs require you to lock up your money for a set period, which can range from a month to five years or more.

That’s where a CD ladder comes in handy. This strategy involves splitting your savings into several CDs that mature at different times. This way, you can earn the most interest possible while still having access to some of your money.

The ladder is a very simple tool that gives you the maximum amount of flexibility.

How to Find the Best CD Ladder Rates

CDs usually pay higher interest rates than checking and savings accounts because they require you to lock up your money for a specific period. For example, in October, the average savings account paid 0.46%, while average CD rates ranged from 0.22% to 1.50%. Online banks and credit unions often offer even better rates.

Rates vary based on the length of the CD and how much you deposit. Typically, the more money you’re able to invest and the longer the term, the better the rate you’re going to get.

While some big national banks have started offering competitive CD rates, it’s also worth checking out online banks, local community banks, and credit unions. CDs are available in various terms, from a few months to five years or more. Some institutions even offer CDs with terms as short as 30 days, but those usually don’t have great returns.

Banks often have promotional CD rates, too. These rates might look appealing but aren’t always ideal for laddering because they often come in odd terms, like 11 months instead of a full year.

How to Set Up a CD Ladder

A CD ladder is a savings strategy that offers the higher yield of a CD with the flexibility of a savings account.

You create a CD ladder by dividing the amount you want to save into smaller portions and putting those into individual CDs with staggered maturity dates. When a CD matures, you roll those funds into a new CD, potentially at a higher interest rate.

Here’s a simple example: Let’s say you have $15,000 to invest in CDs. Instead of putting it all into one CD, you could create a ladder with three different CDs:

• $5,000 in a 3-month CD
• $5,000 in a 6-month CD
• $5,000 in a 1-year CD

When the 3-month CD matures, you roll it into a 6-month CD. This way, at any point, you’ll have access to $5,000 every three months, giving you a nice balance of earning interest and keeping your money accessible.

How Much Money Do You Need for a CD Ladder?

While some banks have minimum deposits of $1,000 or more for CDs, many set the bar lower, or have no minimum at all. This means you can build a CD ladder even with a modest amount of money. If you aim for a five-year ladder and use CDs with a $500 minimum deposit, you could start with as little as $2,500.

How Long Should a CD Ladder Be?

A three-year or a five-year ladder are oftentimes best, because longer-duration CDs generally offer higher returns than shorter-term ones. If you think you’ll need the funds in less than three years, a high-yield savings account might be a better option, offering similar interest rates without the limitations of a CD.

Most CDs have penalties if you withdraw funds before maturity, ranging from 30 days to a full year’s worth of interest, depending on the term. If you don’t want to risk it, look for a no-penalty CD, but note that they usually have lower interest rates than traditional CDs.

What Are the Benefits of CD Laddering?

The main benefit of laddering is that you always have access to some portion of your savings within a relatively short time frame. While not a substitute for an emergency fund, a CD ladder can effectively augment one. If the first CD in your ladder matures in three months, you can keep enough money in a regular savings account to cover expenses during those three months and invest the rest in a ladder of CDs with higher interest rates.

In a rising interest rate environment, laddering CDs helps you capture potential rate increases. If you had locked $10,000 into a three-year CD in 2021 or 2020, you’d probably regret it now. But if you split that total into $2,000 blocks with staggered maturity dates, you would have the chance to reinvest part of your savings at higher rates as the Fed raises interest rates to combat inflation.

Laddering also allows you to benefit from the higher yields offered by longer-term CDs. Once you have a ladder with regular maturity dates, each new CD you buy will have a term corresponding to the farthest date of your ladder, letting you earn extra interest while keeping some of your money accessible.

How Many CDs Can You Have at One Bank?

There’s no limit to how many CD accounts you can have at one bank, but FDIC insurance typically covers only up to $250,000 in deposits at a single institution. If you plan to have more than that in CDs, spread your accounts across several banks to ensure your funds are fully protected.

What Are Some Alternatives to a CD Ladder Strategy?

Experts suggest that you can use the laddering technique for other types of financial products as well. Any low-risk, fixed-income instrument works well in a ladder. It could be a CD, a Treasury, an investment-grade corporate, or municipal bond.

Short-Term Treasurys

Like CDs, short-term Treasurys are sensitive to Fed rate changes and offer marginally more favorable tax treatment. Earnings are taxed federally at ordinary income rates, but interest on deposit accounts (including CDs) and corporate bond yields are also taxed at the state and local levels.

No-Penalty CDs

One of the biggest drawbacks of CDs is the penalty for early withdrawal. Some banks offer non-penalty CDs, but these typically have lower rates of return.

Brokered CDs

Brokered CDs, bought through brokerage accounts, offer higher returns than conventional CDs without risking your principal. They allow you to hold CDs with multiple banks and credit unions at once, helping to ensure FDIC insurance coverage (since the limit is $250,000 per institution).

Brokered CDs can also be sold before maturity without early withdrawal penalties, but they are callable, meaning the bank can terminate the CD at any time.

Savings Accounts

If you prefer not to lock away your money or don’t want to manage CD rollover dates, consider high-yield savings accounts. While CDs offer higher APYs, many online and some traditional banks offer savings accounts with returns of 4% or higher.

For those with the time and funds, a CD ladder is a risk-free strategy that can earn higher returns over time. The nice part about laddering CDs is you’re getting a higher rate for your savings, but you’re still able to maintain that liquidity.

There’s no magic number involved—it’s all about timing

So, you’ve got some extra cash on hand. Now you need to decide whether to save it or invest it. Surprisingly, this decision isn’t about how much money you have. Nowadays, with apps offering no transaction fees and low ongoing costs, you don’t need a large sum to start investing.

The key factor is time, not money. Here’s the simple rule: if you need the money within the next three years, save it in a high-yield savings account or a CD. If your goal is more long-term, or you don’t have a specific need for the money, consider investing in something that can grow, like stocks or bonds.

Time matters because it relates to risk. Money in a savings account is safe—you keep your balance, earn interest, and your funds are FDIC insured if the bank fails. Plus, you can access your money anytime without worrying about losses.

Right now, interest rates on high-yield savings accounts, especially from online banks, are pretty good—around 5 to 6% at some places. (These rates will eventually drop, but high-yield accounts will almost always be better than traditional ones.) CDs and money market accounts also have high rates right now, even beating inflation.

Investing could earn you more, but there are no guarantees. For example, the S&P 500 had over 20% returns in 2023 but lost 19% in 2022.

So, how do you choose the best option for your money and goals? There are tons of accounts and financial products out there. We’ve researched options from financial experts on each one and when they’re best to use. Read on to find out more.

Save Money You Need This Month

Your strategy: Saving
The tool you need: Checking account

Option: Put money for your day-to-day spending and bill payments here. This should cover your monthly spending, but not much more. However, avoid cutting it too close to avoid overdraft fees. Even though many banks have reduced these fees, penalties can still occur. Track your budget with a DIY method or a budgeting app and aim to keep at least 25% more than your monthly needs in your account to cover your checks.

Save for Emergencies and Unexpected Costs

Your strategy: Saving
The tool you need: High-yield savings account

Option: Use a savings account for your emergency fund and unexpected costs. These accounts should be liquid so you can easily cover deductibles, unexpected repairs, market downturns, or avoid debt.

Most financial experts suggest having at least three to six months of expenses saved for emergencies, like job loss. To be extra cautious, aim for 12 months given the current economic climate. If your income is unpredictable or you’re nearing retirement, you might want to save even more. Early retirees often keep up to two years of cash handy to avoid market risks. I learned this firsthand, and it really helped.

If retirement is far off, keep a minimum in your savings and invest the rest for long-term growth. Automating your savings is a smart move. Set up part of your paycheck to go directly into a savings account or arrange automatic transfers from your checking account. Money you don’t see is money you don’t spend. Keeping your high-yield savings account at a different bank from your checking can also help separate your savings from your spending.

CDs and Money Market Accounts

Your strategy: Saving
The tool you need: CDs, money market accounts

Option: For goals like buying a house in a couple of years, a CD can be a good choice. CDs lock in your money for a set period, offering a guaranteed rate of return, usually higher than a traditional savings account. You can open a CD online with most banks or investment brokerages. If you’re concerned about accessing your money, consider a CD ladder, which staggers your investments to ensure you have funds maturing regularly.

Money market accounts are another option, offering high interest without locking in your cash. These can be great for transitioning from saving to investing.

Invest for Long-Term Goals

Your strategy: Investing
Tools you need: Brokerage account or robo-advisor

Option: For long-term goals like funding your child’s college education, investing is a good strategy. Start by assessing your risk tolerance. Would you prefer having 100% in cash and seeing the market rise, or 100% in the market and seeing it fall by 29%? Your risk tolerance helps you decide on a portfolio mix, like 60% stocks and 40% bonds.

For young investors, a long-time horizon means short-term fluctuations are less relevant, so investing heavily in stocks might make sense. Most investing, like saving, can be done with a few clicks online. You can buy popular ETFs like VTI (Vanguard Total Stock Market Index Fund ETF) easily. If you’re hesitant about investing on your own, consider robo-advisors or professional advisors, which can offer tailored investment advice based on your financial situation.

Remember to diversify your investments to protect against downturns, spreading your money across different asset classes and sectors.

Invest for Retirement

Your strategy: Investing
The tools you need: 401(k), 403(b), IRA

Option: If you’re working, make sure you’re using an account like a 401(k) or 403(b) to save for retirement. Aim to max out your 401(k) or other workplace plan and at least contribute enough to get your company match.

Consider setting up automatic annual increases for your contributions, usually by 1%. Anything you don’t have to think about will help you save. If your employer matches 4%, save at least 5%—that’s just a day’s lunch money. Over time, you won’t even notice the difference. After a year, think about increasing your savings by 2% or even 3% each year.

If your company doesn’t offer a plan and you have earned income, you can start your own IRA or Roth IRA with an investment firm and contribute up to the yearly IRS limit. There are also options for self-employed retirement accounts with higher limits.

Should You Seek Professional Advice?

While you can go it alone with the advice above, sometimes getting personalized guidance from a professional can be smart. Experts suggest seeking a pro’s help during major life changes (marriage, having a child, etc.), if you want a solid retirement plan, or if you need reassurance that you’re on the right track.

If the stock market is volatile and you’re thinking about making big changes to your investments, a pro can offer valuable advice. A seasoned professional might tell you it’s a great time to maintain and even add to your portfolio to take advantage of lower stock prices. In the end, make the best financial decisions for your situation.

Knowing the ins and outs can give peace of mind

What is FDIC

Bank failures—like what just happened with Silicon Valley Bank—can be pretty nerve-wracking, making you worry about losing all your savings overnight. But don’t stress too much, because the Federal Deposit Insurance Corp. (FDIC) has got your back.

The FDIC was set up by Congress back in 1933, after a bunch of bank runs contributed to the Great Depression. Its main job is to protect the money of everyday depositors. By guaranteeing that your money is safe, the FDIC helps prevent the kind of panic withdrawals that can even take down healthy banks.

While the FDIC officially insures up to $250,000 per depositor, there are simple and legal ways to increase that coverage so that all your savings are protected.

So, if the news about Silicon Valley Bank—or Signature Bank, which also recently had issues—has you thinking about pulling your money from your bank, take a deep breath and relax. The answer is probably, “no need.”

Read on to find out how the FDIC works and exactly what is covered.

FDIC Insurance coverage limits

For most deposit accounts like checking and savings, the FDIC insurance limit is $250,000. That’s usually enough for most people, but there are a few things to keep in mind.

The $250,000 limit is per bank, per depositor, and per “ownership category.” Ownership categories include single accounts, joint accounts, certain types of trust accounts, corporate accounts, government accounts, and some retirement and benefit accounts.

This setup means you can actually get more than $250,000 in coverage. For example, if you have $250,000 in a savings account at Bank A and another $250,000 in a savings account at Bank B, you’re covered for $500,000 total. But if you have $500,000 split between a checking and a savings account at one bank, only $250,000 is insured.

You can also boost your coverage limits without using multiple banks. For instance, if you have a savings account in your name and a joint account with your spouse, your family is covered up to $750,000. That’s because the FDIC treats joint accounts as a different ownership category from single accounts, insuring them up to $250,000 per depositor.

Here’s another tip to ensure you’re covered: look beyond your bank’s brand name, especially if you have a high-yield savings account or CD.

Many digital banks are actually brands of traditional banks. For example, BrioDirect is the digital brand of Webster Bank, and UFB Direct is a brand of Axos Bank. These digital banks do carry FDIC insurance, but if you have deposits at both the online brand and the physical parent bank, they might fall under the same $250,000 FDIC coverage limit.

If you’re unsure, you can check the FDIC-member bank for your account using the FDIC’s BankFind tool.

Also, be diligent about FDIC insurance if you keep money with a nonbank fintech company. Many of these neobanks partner with FDIC-member banks for deposit coverage, but the FDIC advises caution. Make sure you understand the terms of how, when, and where your money is insured through the firm’s FDIC-member bank partner.

Keep reading to learn how the FDIC works and what it covers.

What does FDIC insurance cover?

FDIC insurance covers everyday bank accounts like checking and savings accounts, whether they earn interest or not. It also covers other types of deposit products, including money market deposit accounts and CDs.

However, FDIC insurance doesn’t cover everything. It does not protect stocks, bonds (including municipal bonds), mutual funds, life insurance, annuities, or crypto assets, though these might be covered by other types of insurance. It also doesn’t cover U.S. Treasurys, but these are backed by the U.S. government, making them a safe investment.

Here’s a quick rundown:

Are money market accounts FDIC insured?

Yes, FDIC insurance includes money market deposit accounts, but it doesn’t cover money market mutual funds, which you buy through a broker.

Are CDs FDIC insured?

Yes, certificates of deposit (CDs) are FDIC insured, up to the coverage limits. The exception is brokered CDs, which are bought through brokers and aren’t covered by FDIC insurance.

Are credit unions FDIC insured?

No, FDIC insurance doesn’t cover credit unions. Instead, credit union deposits are insured by the National Credit Union Administration (NCUA), which offers the same $250,000 coverage per depositor.

From a customer perspective, NCUA insurance is just like FDIC insurance. If you bank with an NCUA member institution, you automatically get NCUA insurance coverage, just like with FDIC member banks.

Are brokerage accounts FDIC insured?

No, brokerage accounts aren’t covered by FDIC insurance. Investment products like stocks, bonds (including municipal bonds), and mutual funds are not protected. If your brokerage account loses value, that’s a risk you take as an investor.

However, there’s some protection through the Securities Investor Protection Corporation (SIPC), an independent organization for broker-dealers. If your brokerage account is with an SIPC-member company and it fails, SIPC covers lost cash and securities up to $500,000 per customer, per institution, including a $250,000 limit for cash. This limit applies even if you have multiple accounts with the same brokerage.

Are crypto exchange accounts FDIC insured?

No, crypto exchange accounts are not FDIC insured. The FDIC doesn’t cover nonbank assets, including cryptocurrency. It also doesn’t protect against losses from fraud or theft.

The crypto market operates in a regulatory gray area, so you don’t get the same protection as you would with cash in a bank or credit union. Cryptocurrency exchanges, brokers, custodians, and wallet providers are all outside the FDIC’s supervision and coverage.

Dr. Kevin R. West was born and raised in Newark, New Jersey to the late Joseph and Mary Lou West.  He is the second of three sons. Married to Mary E. West, together they have two beautiful daughters: Latisha and Arielle West. They also have two phenomenal granddaughters: Mikayla and Jailynn.

Kevin is a proud product of the Newark Public Schools where he graduated from Barringer High School in 1978. He continued his education at Seton Hall University earning a Bachelor’s Degree with honors in Elementary Education in 1982, a Master’s Degree with honors in Educational Administration & Supervision in 1984, and a Doctor of Education Degree from Nova Southeastern University in Educational Leadership in 2003. Kevin also attended and completed the Princeton University Principals Center for Educational Leadership in 1994, the Harvard University Institute for Educational Leadership in 1985 and the Yale University School Development Program in 2001.

Dr. Kevin West worked for the Irvington Public School District from 1982 – 2005 in several different capacities: Teacher at Union Avenue School from 1982 – 1989, Assistant and Acting Principal at Grove Street School from 1989 – 1991, Vice Principal of Irvington High School from 1991 – 1992, Principal of Augusta Street School from 1992 – 1995, Principal of Thurgood Marshall School from 1996 – 1999, and Principal of Chancellor Avenue School from 1999 – 2005. Kevin also worked in the Newark Public School District from 2005 – 2010 as Principal of West Side High School, Executive Assistant to the Superintendent, Associate Superintendent of Special Programs, and as the Assistant Superintendent of Special Programs, overseeing 15 departments. More recently, Dr. West served as the Assistant Superintendent of Curriculum and Instruction for the Roselle Public School District 2010 – 2011. He was promoted to Superintendent of the Roselle Public Schools on October 27, 2011 and was serving in that capacity until he decided to apply for the East Orange Superintendent of Schools position. Dr. Kevin R. West became the proud Superintendent of the East Orange Public Schools on November 1, 2016.

During his numerous years in the field of education, Dr. West received The New Jersey Principal of the Year Award from the New Jersey Department of Education and the NJ Principals and Supervisors Association for the school year 2003-2004. As a result of the numerous initiatives such as reading book clubs, successful implementation of school uniforms, a restructuring of the basic skills and special education program, effective looping, developing a master schedule to include common planning periods and PLC’s for teachers, development and integration of challenging and rigorous curriculum, enforcement of a clean, safe, orderly learning environment, daily classroom observations to teachers with immediate feedback, progressive writing sample displays, creation of over 27 school clubs/organizations, school beautification projects, free daily before and after care program until 6:00pm for working parents, after school enrichment/tutorial program, Creation of a Saturday Academy and SES program, establishment of a school restaurant, maintaining highest test scores in the district for 6 consecutive years before leaving district, significantly increasing parental involvement, writing and receiving several grants, organizing a concerned fathers group, fostering community partnerships, etc., Chancellor Avenue School was able to meet all 41 “No Child Left Behind” mandates and was deemed the only “Achieving School” in the Township of Irvington NJ during his time there. In addition, test scores rose significantly under the leadership of Dr. West during the six years he was Principal of Chancellor Avenue School (97.3% of his students passed the NJASK in Language Arts Literacy, and 93.1% of his students passed the NJASK in Math). Governor Christine Todd Whitman visited and officially recognized Chancellor Avenue School as a model Abbott School on the cutting edge of making a positive difference.

While Superintendent in Roselle for five years, the Roselle Public Schools improved dramatically in every area. Under the leadership of Dr. West, seven of the eight schools in Roselle became National Award Winning Schools, and the high school graduation rate rose to 91%.

While Superintendent of East Orange, Dr. West restructured the middle school complex to an effective middle school model of success, created a magnet middle school (future Ready Prep) within a school, brought in numerous partnerships, had a laundromat built inside of two schools to assist students and families, dramatically improved the culture/climate of the schools and district, positively transformed the troubled comprehensive high school and helped bring it out of state status, started and coordinated a male mentoring program for over 80 middle/high school males to help close the achievement gap, helped decrease suspensions, helped improved state test scores, ensured that quality and meaningful PD was provided to staff, created a unified lesson plan template, hosted numerous Superintendent community/parent forums, and the list goes on.

Kevin has not only impacted the lives of thousands of students as an Educator, he has gone far beyond by cultivating, molding, directing and mentoring hundreds of inner city males (elementary, middle school, and high school) through the Sigma Beta Club Male Mentoring Program. The Sigma Beta Club is a National Male Mentoring Program initiative sponsored by Phi Beta Sigma Fraternity, Inc.  Dr. West has served as the advisor of this club in his local chapter since 1983. While in Newark, he started 6 new Sigma Beta Clubs; one at Weequahic  Malcolm X Shabazz, Central, West Side, Barringer, and Arts High School where he mentors over 150 high school male students and over 50 female students that were members of the Blue Diamonds. Dr. West also started a Sigma Beta Club at Abraham Clark High School in Roselle where he advised and mentored 52 male students in addition to his responsibilities as Assistant Superintendent/Superintendent. Dr. West also started and supervised the Sigma Beta Club (male mentoring program) in East Orange which provided mentorship to over 82 middle/high school males. Under the tutelage of Dr. West, the Chi Sigma Chapter Sigma Beta Clubs have won the Eastern Regions Sigma Beta Club of the Year Award for over 17 consecutive years, and they have won the National Sigma Beta Club of the Year Award more than six times. There are currently over 200 elementary, middle school and high school male students (Northern NJ) that are members of the Chi Sigma Chapter Sigma Beta Clubs. These and other outstanding accomplishments earned Dr. Kevin R. West the distinction of being inducted into The Elite Distinguished Service Chapter of Phi Beta Sigma Fraternity, Inc. This is the highest honor that the fraternity bestows upon very few of its outstanding members.

Dr. Kevin West is a member of several civic and professional organizations including: Phi Beta Sigma Fraternity, Inc. (Chi Sigma Northern NJ Alumni Chapter); New Jersey Association of School Administrators; Seton Hall University Community Advisory Board; Roselle Branch of the NAACP; International Masons; The Urban League, The National Alliance of Black School Educators; New Hope Baptist Church Trustee in Newark; National Education Association; Organization of African American Administrators; Kappa Delta Pi National Education Honor Society; NJDOE Urban Education Committee; NJ School Boards Association, NJ Superintendents’ Study Council, Association of Supervision and Curriculum Development (ASCD); NJ Department of Education’s NCLB Advisory Committee, and the National Association of School Superintendents. He has received numerous awards, honors, citations, and recognitions, too many to list here.

Kevin believes that it’s all about making the right choices and having a heart for kids. He states, “When it seems like nothing is going my way, I just stop and take time to adjust my perspective. I recall how far I’ve already come, and remind myself that positive actions will indeed have positive and valuable results. Don’t lower your expectations to meet your level of performance. Raise your level of performance to meet your expectations. Each one must reach one (or one thousand). For to accomplish great things we must not only act but also dream, not only dream but also believe. If it is to be, it is up to me, but teamwork makes the dream work.”

JOHN WESLEY GILBERT (1863-1923)

John Wesley Gilbert, 1888

Public Domain Image

John Wesley Gilbert was and educator, a missionary, and the first African American archaeologist. He was also the first graduate of Paine College, and the first African American to receive a master’s degree from Brown University.

Gilbert was born free on July 6, 1863, in Hephzibah, Georgia, to Gabriel and Sarah, farm hands born into slavery. In his youth, Gilbert attended the local public schools while working as a farm hand. He first enrolled into Augusta Institute in 1878 and remained there for two years, before he began teaching at Ware High School, Richmond, Georgia, in 1880. He remained there until 1883. Gilbert then enrolled at the new Paine College in Augusta, becoming the institution’s first student. He attended from 1884 to 1886 and studied Greek and other foreign languages. He then transferred to the junior class of Brown University, in Rhode Island. He was one of the first ten black students at the university and the third African American to receive his A.B. in 1888.

Later in 1888 Gilbert moved back to Georgia, and began to court Osceola K. Pleasant, a teacher and graduate of Paine College and Fisk University. The couple married in 1889 and had four children together. While attending Brown University, Gilbert received a scholarship to attend the American School of Classics, in Athens, Greece. He traveled there to begin his studies in 1890. He was the first African American to attend the school and participated in archaeological fieldwork during his year of attendance. During one of those excavations, Gilbert found walls, gates, and pillars that lead to the discovery of the ancient Greek city of Eretria. Due to his discoveries, he created the first map of the area. When Gilbert returned to Brown in 1891, he focused his studies on archaeology, and became the first African American to receive an advanced degree from the institution, earning his master’s degree in Archaeology in 1891.

Professor Gilbert returned to Augusta, and began teaching Greek, Latin, English, French, German, and Hebrew at Paine College, in the fall of 1891. He was the first African American instructor at the school. In 1896, Gilbert attended Gammon Theological Seminary in Atlanta, and received his Doctor of Divinity, and became a Christian Methodist Episcopal (CME) minister. One year later in 1897 he was elected to the American Philological Association.

In 1896 Dr. Gilbert returned to teaching at Paine but in 1911, he traveled to the Belgian Congo, to establish a Methodist presence, along with Minister Walter Russell Lambuth. The two successfully established a church and school in the village of Wembo-Nyama. The trip took a toll on Dr. Gilbert’s health, and he never fully recovered.

In 1913, Dr. Gilbert was appointed President of Miles College in Fairfield, Alabama. He remained in that position for one year, before he returned to teaching Greek, Hebrew, and New Testament literature, and to serve as the Dean of the Divinity School at Paine College, a position he held until his retirement in 1920.

John Wesley Gilbert died on November 18, 1923, in Augusta, Georgia. A low-income housing project in Augusta was named after Gilbert in 1941, and in 1968, Paine College dedicated a Chapel to Dr. Gilbert and Rev. Lambuth.

Subjects:

African American History, People

Terms:

Occupation -Educator -Administration, Occupation – Education – University Professor – Languages, United States – Georgia, Religious Organizations-Christian Methodist Episcopal Church, Gender – Men, STEM – Archaeologists, 19th Century (1800-1899), United States – Alabama, United States – Rhode Island, Religious Leaders – Missionaries, Education – Historically Black Colleges (HBCU), Africa-Republic of the Congo

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By: Minding My Business

February 28, 2022