Laddering: A Smarter Way to Renew Your Certificate

What if rates are lower in the coming years?

That is why many OUCU members are choosing a strategy called laddering.

Laddering is a way to use your share certificates — fixed-term savings accounts similar to CDs at a bank — more strategically. Instead of putting all your money into one certificate, you open several with different maturity dates, like one, two, three, four, and five years. Each year, one matures and becomes available to reinvest or use.

This approach helps you:

• Lock in long-term rates now
• Avoid getting stuck with lower rates later
• Keep access to part of your funds each year

It’s a simple, flexible way to keep your savings on track, even in an uncertain rate environment. And we’re here to help you figure out the right approach.

Let’s talk about your next step!

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