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.

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.