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Credit Union Certificate Ladder Calculator

CD Ladder Calculator

Use this calculator to examine the benefits of investing in a series of Certificates with different maturities, a process called the Certificate Ladder.

With a Certificate Ladder, you can benefit from higher dividend rates for longer maturities while achieving better liquidity, rather than investing in a single long-term certificate.

Definitions

Total to invest

This is the total amount to invest in your Certificate Ladder.

Frequency of maturing Share Certificate

How often you would like to have a certificate maturing. For example, if you choose six months, one of your certificates in your Certificate Ladder will mature every six months.

Amount in each

How much you wish to invest in each certificate in your ladder. The tool uses this amount to calculate the number of certificates in the ladder. If the amount that you enter isn't evenly divisible by the total you wish to put into your Certificate Ladder, the tool will automatically adjust it up to an evenly divisible amount.

Certificates in Ladder

The number of certificates that will be in your Certificate Ladder. Each certificate will have a different maturity, so that one of your certificates will mature at the frequency you specify. This calculator assumes that you redeposit all matured certificates into new certificates that have a term of the longest maturity in your original Certificate Ladder.

Dividends are compounded

Dividends earned on your certificates accumulated additional dividends. This calculator allows you to choose the frequency that your certificate dividend income is added to your account. The more frequently this occurs, the sooner your accumulated dividends income will generate additional dividends. You may wish to check with your local office to find out how often dividends are compounded on your particular certificate.