When you purchase multiple CDs you can take advantage of one of the most effective ways to maximize your investment in CDs. The strategy is called "laddering" since it staggers the dates that your CDs mature. An an example, if you purchase:

a one-year CD
a two-year CD
a three-year CD

As each CD matures, you would reinvest the dividends into additional longer-term certificates. This strategy is aimed at having some portion of your certificate portfolio maturing each year.  In addition, this provides interest rate risk benefits. If all of your money is invested in one CD and the rates are low when it matures, you would renew at the low rate. With laddering, you are less likely to face consistently low rates.

To purchase a CD from Advantis, please email us or call us at (503) 785-2528 or (800) 547-5532.