Since your money is insured, the only risk you are assuming is the potential of foregoing a higher rate of return if interest rates increase.

When money is placed into a fixed-rate CD, it's locked in a particular rate of return until maturity. The longer it takes for the certificate to reach maturity, the higher the interest rate paid, because you are assuming risk by being locked into a certain rate over a longer period of time.

For example, suppose you purchase a three-year certificate paying 3% interest, the then prevailing market interest rate for certificates of similar maturity. If the interest rate creeps up to 4% after you purchased the certificate, your CD would be paying less than the newly issued certificates now paying 4%. However, if rates went down to 2%, your investment would continue to pay 3%.

For more information on our CDs, select the "Certificates" link below. To purchase a certificate from Advantis, please email us or call us at (503) 785-2528 or (800) 547-5532.