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We’ll Help You Navigate the Way

One strategy to help your Certificate of Deposits (CDs) work for you and your savings plan is to build a CD ladder by opening a series of CDs that mature at different, sequential dates in the future – like 12 months, 18 months, 30 months and 48 months. As one CD matures, you can either use that money if you need it or just open a new CD for the next rung on your ladder. This strategy may help you earn more interest than a standard savings account, while providing access to your funds as the CDs mature.

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Reach Your Goals Safely & Predictably

If you’re considering optimizing your CD investments with a laddering strategy, your OlyFed personal banker is here to help. Contact us today to set up an appointment.

12 Month CD
4.00% | 4.07% APY*

18 Month CD
3.25% | 3.30% APY*

30 Month CD
2.25% | 2.27% APY*

48 Month CD
2.25% | 2.27% APY*

Open in Branch

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Top 3 Advantages of a CD

1. Fixed Rates for Fixed Terms
CDs offer fixed rates for fixed terms, which means you can estimate your earnings and make planning for the future that much easier.

2. Safe & Secure Investment
CDs are secure because they are insured by the Federal Deposit Insurance Corporation (FDIC).

3. Competitive Rate of Return
CDs provide interest often at a higher rate than most regular savings accounts, which can be a great way to diversify your savings portfolio.

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Have Questions? Need Assistance?

Our team of bankers are here to help. Contact us or call (360) 754-3400.

*CD DISCLOSURES: All certificates have a fixed rate for term. The Annual Percentage Yield (APY) is accurate as of January 26, 2024, and is subject to change and anytime without notice. The minimum to open and earn the APY is $100. APY assumes interest earned remains on deposit until maturity. Fees may reduce earnings. Early withdrawal penalty may apply. Terms and conditions apply. See Truth in Savings and Terms & Conditions brochure for more details.