Ever feel like you have to choose between earning a great return on your savings and having access to your money when you need it? It's a common dilemma. Traditional Certificates of Deposit (CDs) offer competitive rates, but often tie up your funds for longer periods.
At Members Choice, we believe you deserve both. That's why we're excited to introduce our new "High Five" CD Ladder - a flexible savings solution designed to help your money grow while keeping a portion available. It's truly a fresh brew for your financial future!
What Exactly is a CD Ladder?
Think of a CD Ladder as a smart strategy for your Certificates of Deposit. Instead of putting all your money into one CD for a single term, we help you spread it across several CDs with different maturity dates. This approach gives you the best of both worlds: higher potential earnings and regular access to your funds.
How Our "High Five" CD Ladder Works (It's Simpler Than It Sounds!)
Here's the cool part: when you decide to put your savings in our "High Five" CD Ladder, the total amount you want to put in is divided into four equal parts. Each part goes into a CD with a different maturity term:
- One part matures in 5 Months
- Another in 10 Months
- A third in 15 Months
- And the final part in 20 Months
This setup allows us to offer you a fantastic up to 5.00% Annual Percentage Yield (APY)*. How? By diversifying the terms, we can optimize the rates we offer in today's market.
But here's the real game-changer: every five months, one of your CDs matures! This means a portion of your original savings becomes available. You then have the freedom to withdraw or reinvest it. It's like having a consistent "payday" for your savings, giving you control without sacrificing those great returns. It's the perfect blend of growth and access.
Key Benefits You'll Love:
- Bigger Earnings Upfront: Get a higher starting APY from day one.
- Easy Access to Your Cash: A portion of your funds matures every five months, providing regular liquidity.
- Savings Your Way: Enjoy the perfect balance between long-term growth and short-term flexibility.
- Peace of Mind: No more worrying about tying up all your money.
Ready to Climb Your Way to Smarter Savings?
The Members Choice "High Five" CD Ladder is a smart, dynamic way to manage and grow your money. It's designed for anyone who wants to maximize their earnings while staying flexible.
Ready to learn more and see how our new CD Ladder can benefit your financial future? It's time to get your money brewing!
*Annual Percentage Yield (APY) is accurate as of August 1, 2025. $2,000 minimum deposit. Total amount of CD Ladder deposit will be equally divided among four CDs at varying terms: 5-month CD, 10-month CD, 15-month CD, and 20-month CD. Terms and conditions apply. See link for complete details. All memberships are subject to approval. Federally Insured by NCUA.
