Ladder Certificate Accounts

Open a Ladder Certificate Account Today!

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.


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.

Example at opening:
1-year certificate account with $500
2-year certificate account with $500
3-year certificate account with $500
4-year certificate account with $500
5-year certificate account with $500
* Early-withdrawal penalties may apply.
Example after 1 year:
2-year certificate account with $500 maturing in 1 year
3-year certificate account with $500 maturing in 2 year
4-year certificate account with $500 maturing in 3 year
5-year certificate account with $500 maturing in 4 year
5-year certificate account with $500 maturing in 5 year
* Early-withdrawal penalties may apply.
Example after 5 years:
5-year certificate account with $500 maturing in 1 year
5-year certificate account with $500 maturing in 2 year
5-year certificate account with $500 maturing in 3 year
5-year certificate account with $500 maturing in 4 year
5-year certificate account with $500 maturing in 5 year
* Early-withdrawal penalties may apply.

You can ladder your certificate accounts 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.

Term APY Dividend Rate Min. Opening Balance Min. Earning Balance
APY = Annual Percentage Yield. Early-withdrawal penalties may apply. Dividends are credited monthly. Rates and terms are accurate as of Wednesday, April 26, 2017 and are subject to change.
3-5 Months 0.50% 0.50% $500.00 $500.00
6-11 Months 0.75% 0.75% $500.00 $500.00
12-23 Months 1.25% 1.24% $500.00 $500.00
24-29 Months 1.50% 1.49% $500.00 $500.00
30-35 Months 1.60% 1.59% $500.00 $500.00
36-47 Months 1.75% 1.74% $500.00 $500.00
48-59 Months 2.00% 1.98% $500.00 $500.00
60 Months 2.55% 2.52% $500.00 $500.00

Saving is Essential

From putting aside funds for a rainy day to long-term investments, America First has the product for you, no matter your life stage.

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