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What is Certificate Laddering — and Is It Right for You?
Published on February 6, 2026
If you’re looking for a smart way to grow your savings without locking all your money away at once, certificate laddering may be worth considering. It’s a simple strategy that helps balance strong returns and flexibility, especially when interest rates are changing.
What is Certificate Laddering?
Certificate laddering means dividing your savings across multiple certificates with different term lengths, instead of placing all your money into one certificate.
For example, instead of opening one 24-month certificate, you might open:
- A 6-month certificate
- A 12-month certificate
- An 18-month certificate
- A 24-month certificate
Each certificate matures at a different time, creating a “ladder” that gives you regular access to your funds.
Why Members Choose Certificate Laddering
Many savers like laddering because it offers the best of both worlds — competitive rates and flexibility.
More access to your money
Because one certificate matures every few months, you’re never too far away from an opportunity to access your funds if your needs change.
Flexibility when rates change
If interest rates go up, you can reinvest your next maturing certificate at a higher rate. If rates go down, only part of your savings is affected — not the entire balance.
Predictable, steady growth
Certificates typically offer higher rates than regular savings accounts. Laddering allows you to continue earning those higher returns while spreading out your risk.
Who Might Benefit from Laddering?
Certificate laddering can be a great option if you:
- Want to earn more on your savings without committing everything long-term
- Are saving for future expenses with flexible timelines
- Prefer a lower-risk savings strategy with consistent returns
It’s especially popular for emergency savings, future purchases, or conservative investment goals.
Certificate laddering is a smart, flexible approach to saving that helps you earn competitive rates while keeping your money accessible. Whether you’re just getting started or looking to fine-tune your savings strategy, the TEG team is here to help.
📍 Stop by your local TEG branch or reach out to learn more about certificate options and laddering strategies.
Categories: Certificates, Education
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