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36-Month Certificate Ladder

Improve your financial well-being by laddering!

A certificate ladder is a simple and flexible solution for maintain ongoing access to your money while earning higher returns.*

Divide your investment across three certificates reaching maturity at 12, 24, and 36 months, and you’ll typically earn higher dividends than investing in only one certificate renewed over time. By laddering, you stagger maturity dates on multiple certificates over a prolonged period to optimize dividends. At certificate maturity, simply re-invest at a term that meets your investment objectives.

Certificate ladders are also available for Individual Retirement Accounts (IRAs).
Your IRA funds are insured separately up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.

For assistance with certificate laddering, visit a local SAFE branch or contact a helpful Call Center Representative by calling (916) 979-7233 or (800) SEE-SAFE.

To view current certificate ladder rates, click here.


* All certificates must be established with equal balances. Certificates may renew for the longest term automatically at maturity. Not eligible for relationship rate premium. Certificate penalties for early withdrawal may apply.

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