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Laddering Strategy

A better, safer way to grow your money.

A Certificate ladder provides simple steps to a brighter future

Enjoy the benefit of long term rates while maintaining some liquidity and access to a portion of your funds using a laddering investment strategy. Balances are distributed evenly over a number of certificates and terms when you invest with Sandia Area.

  • Minimum balance of $500 required in each certificate
  • Guaranteed return on your investment
  • Shorter term access to a portion of funds in the event you need to withdraw cash
  • Protections against fluctuation in interest rates
  • Two portfolios available to choose from: Short term starts with a 6-month certificate
  • Long term starts with a 1-year term

Here are some examples

24-month term 12-month term 6-month term
48-month term 24-month term 12-month term
  36-month term 24-month term
    36-month term
    48-month term

Detailed Description

Laddering is an investment strategy that minimizes your exposure to interest rate fluctuations. It is a simple investment technique that involves dividing your investment across two, three, or more share certificates. Laddering generally brings higher dividends than investing in only one share certificate renewed over time. Plus, it keeps a portion of your money reasonably accessible.

The typical rule is the longer the term the higher the return. You create your ladder consisting of several share certificates, each with a different rate and maturity. When a certificate matures, you should reinvest your money in a new certificate at the longest term. You also have the option to pull out your funds if need be. By always replacing the longest maturity – the top rung on the ladder – you’re always reaping the benefit of getting the highest rates available at the time. Also, by having a ladder, you're only reinvesting a portion of your investment when yields are low.


Click here for Sandia Area Certificate rates. Some restrictions may apply.  Penalty may be imposed for early withdrawal and could reduce earnings. $500 minimum required for Share Certificates. Sandia Area Membership is required.


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