Skip to main content

Share Certificate Laddering Strategy

Financial Education Center


Maximize your Earnings on Savings
with a Certificate Laddering Strategy


Certificates are one of the safest investment options available. You receive the guaranteed dividend rate of return as long as you don’t withdraw funds before the certificates mature, and your funds are federally insured by the NCUA.* However, one strategy to get higher yields and sufficient access to your cash is through Certificate Laddering.


decorative image

What is Certificate Laddering?

Laddering is an investment strategy to make your money work harder for you by allowing you to break your total investment into multiple smaller certificates with varied terms.

decorative image
How Does Certificate Laddering Work?

Here is an example: You have $25,000 to invest. You open five certificates to your credit union— a 1-year, 2-year, 3-year, 4-year, and 5-year term with $5,000 each. As each certificate matures and becomes available or “liquid”, you may reinvest it into the 5-year certificate for a higher rate. While a longer-term ladder strategy will earn you a higher rate, your money will also be tied up for a longer period of time.

decorative image
How do I set up Laddering?

Simply visit one of our branches and meet with one of our Member Services Representatives, and we will help you set up a series of Certificate accounts (SCs) that match your investment strategy.



This method of saving is just one more flexible option available at your Credit Union. You can read more details about our certificates by clicking below or make an appointment to discuss your options!

Learn More Schedule an Appointment 


*Funds are federally insured by the NCUA for a maximum of up to 250,000.