Ladder Certificates

Laddering your Certificate Accounts is a cash management option that allows you to ultimately get long term rates while retaining access to a portion of your money.

The most popular laddering option has five Certificate Accounts in 1-year, 2-year, 3-year, 4-year, and 5-year terms. When each term matures it renews to the longest term of your ladder. After Five years, you have Five Certificate Accounts (and the 5-year rates) with one Certificate Account maturing every year.

Example at opening:

1-year Certificate with $500
2-year Certificate with $500
3-year Certificate with $500
4-year Certificate with $500
5-year Certificate with $500

Example after 1 year::

2-year Certificate with $500 maturing in 1 year
3-year Certificate with $500 maturing in 2 year
4-year Certificate with $500 maturing in 3 year
5-year Certificate with $500 maturing in 4 year
5-year Certificate with $500 maturing in 5 year

Example after 5 years:

5-year Certificate with $500 maturing in 1 year
5-year Certificate with $500 maturing in 2 year
5-year Certificate with $500 maturing in 3 year
5-year Certificate with $500 maturing in 4 year
5-year Certificate with $500 maturing in 5 year

You can ladder your certificates in different terms and different number of certificate accounts if you prefer. For example you could ladder 3-month, 6-month, and 9-month Certificate Accounts with the goal of getting consistent 9-month rates while retaining 3-month flexibility on a third of your money.


Climb the Ladder to Success

Our Certificate Accounts have terms that accommodate your unique business needs.

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