Many rates and terms are available, from three months to six years. To maximize earnings and minimize market volatility, try our laddered certificate program. It’s easy to get started.

Here’s how it works:

Divide your initial investment amount by 5. For this example, we will assume you have $10,000 to invest.

Build your certificate ladder. Invest in $2,000 certificates, one each at 1 year, 2 years, 3 years, 4 years and 5 years.

When the 1-year certificate matures, re-invest it at 5 years. You now have one each with 1, 2, 3, 4 and 5 years until maturity.

Repeat every year. When one certificate matures, re-invest it at 5 years.

Using laddering, you are never more than one year away from a certificate maturing and you are investing in 5-year certificates, which earn more.