Fixed and flexible. That’s a plan.

Looking for ways to maintain long-term security while having greater access to your funds? Certificate laddering may be your solution. Here’s how it works:

To ladder certificates, purchase them in staggered terms. For example, you purchase a $5,000 one-year certificate, a $5,000 two-year certificate and a $5,000 three-year certificate. Each year is a rung on the ladder. When the one-year certificate matures, you reinvest that money in a three-year certificate because by that time your original three-year certificate has only two years left until it matures.

Certificate laddering example
Amount	Term	APY*
$5,000	1 year	2.70%
$5,000	2 year	2.80%
$5,000	3 year	2.90%

Benefits of certificate laddering:

	You earn dividends every quarter
	You have access to a portion of the funds yearly