Benefits

FDIC Insured

CDs are protected by the Federal Deposit Insurance Corporation (FDIC), making your money a low-risk investment.

Flexible Terms

Common terms for CDs range from three months to three years.

Rate of Return

A CD has a higher interest rate than a traditional savings account, generally meaning the longer term you choose, the higher the interest rate and the better return rate.

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Benefits of CD Laddering

An investment strategy with CD laddering can maximize returns while minimizing risk. Investments in a CD ladder provide you with smaller Certificates of Deposit that mature at staggered dates, rather than a single large, long-term CD.

  • Liquidity – You have available cash at frequent intervals.
  • Flexibility – You decide when you want to invest more or less of your money.
  • Higher Interest Rates – Once your ladder is established, you can choose longer-term CDs with higher rates with certificates still maturing frequently.
  • Peace of Mind – If interest rates rise, you’ll have cash to take advantage of the best return. When rates fall, you still have money invested for the long term at higher rates.

We can also help you with...

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IRAs

Whether your retirement is just a few years from now or in a few decades, an Individual Retirement Account (IRA) will help you prepare.

LEARN MORE Click here to learn more about IRAs.
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Julie Anchondo
Julie Anchondo, AVP Branch Manager, Racine, WI

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