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Fixed Rate Ladder
Certificates of Deposit

Fixed Rate Ladder CDs

Improve your liquidity and help maximize your returns.

Account available to residents in AZ, CA, CO, FL, HI, KS, NE, NV, TX.

Compared with a single long-term Certificate of Deposit (CD), Fixed Rate Ladder CDs can help to bolster your liquidity and potentially increase your returns.

Locking in an interest rate can help to protect yourself from dips in market rates and maximize your returns over time. In addition, you can leverage the staggered maturity dates as part of an income stream during retirement.


  • Available at a community bank location
  • 4 CDs opened in equal amounts
  • Initial maturity terms staggered at 3, 6, 9, and 12 months
  • Initial rates on all 4 CDs equal to current 12 month CD
  • $2,500 minimum opening balance for each CD (total minimum $10,000)
  • Each CD at maturity automatically renews for a 12 month CD at current 12 month CD rate
  • Interest compounded daily and paid monthly
  • Interest can be deposited monthly, quarterly, semi-annually or annually
  • Standard CD early withdrawal penalty apply
  • Not available for IRAs

Contact your Banker for complete details.

To find out more about a Certificate of Deposit account now, call: 866.351.5646
or open an account at a community bank near you.

What you'll need
to get started

  • Your Social Security Number
  • A valid driver's license, state ID, military ID or passport
Open an account now
call toll free: 866.351.5646
or visit a community bank near you.

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