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Money Tip! Save more with a certificate laddering strategy.

Use a certificate laddering strategy to take advantage of higher rates without tying up all of your investment long-term.

Certificate Ladder Example

If you have $30,000 to invest, put $10,000 into a 1, 2, and 3- year certificate. As the 1-year certificate comes due, you are able to access those funds if needed, or keep the ladder going by renewing it for a 3-year certificate at a higher rate. From that point, a certificate will renew every year, giving you the option of using those funds or renewing for a 3-year term.

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