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Certificates of Deposit (CDs)

Grow your money with a fixed-rate savings account.

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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.

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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.

A Certificate of Deposit (CD) is a time deposit account that generally offers a higher interest yield for a fixed/predetermined period of time. CDs are protected by the Federal Deposit Insurance Corporation (FDIC), making your money a low-risk investment.

Savings accounts are generally liquid funds that can be withdrawn at any time, without a penalty, and may pay a lower interest rate. Certificates of Deposit are generally higher paying interest accounts in which the funds are held for specific predetermined periods of time.

Amounts vary based on the CD term. See Rates and Terms.

If funds are removed during the predetermined period of time, there may be a penalty or fees assessed.

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Chris Gable
Chris Gable, AVP Branch Manager, Racine, WI

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