A Share Certificate is a great way to earn higher annual percentage yields. Our Share Certificates come with a variety of terms and they provide a liquid and worry-free investment. 


Earn More When You "Ladder" Your Certificates

You can increase your overall Share Certificate investment return and retain liquidity with a technique called "laddering." For example, instead of investing $5,000 into one certificate, invest into 4 separate credit union certificates. Purchase 6-month, 12-month, 18-month, and 24-month certificates. As each certificate comes due, roll it into a new, higher-yield certificate. When you invest this way, you will have 1/4 of your funds coming due every six months. By the end of 24-months, all of your certificates will be receiving the highest dividend. You can also take advantage of special periodic rate specials when available to maximize your returns. 


Consider the Benefits

Staggering maturity dates ensures that you will always have access to part of your funds every six months. Laddering the maturity dates gives you the opportunity to reinvest at least some of your savings in higher yield certificates should rates go up. You can ladder your maturity dates to match the timing of your financial goals, such as: college tuition, vacation plans, home improvements, retirement, or anything else you are saving for. 


Laddering Is the Safe Saving Strategy

Because your Bayer Heritage Federal Credit Union deposit accounts are federally insured, Share Certificates offer the benefits of a guaranteed fixed income with no risk to your principal. Call or stop by the credit union office. We can help you establish a regular savings plan that works for you. 


Begin Today!

  • Click here to see our current rates.
  • Minimum Deposit of $500.
  • Terms from 3 months to 60 months.
  • Individual deposit accounts covered by NCUA up to $250,000.00

*Penalties apply for early withdrawal


For additional information or to make an appointment with one our our investment specialists call Member Services at 1-800-272-6003 x 1477 (or Option 2)