Credit Union Certificate Ladder Calculator

Use this calculator to examine the benefits of investing in a series of Certificates with different maturities, also called a '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.

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By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

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Certificate Ladder Calculator

*indicates required.

Certificate ladder inputs:

Total to invest:*This entry is required.Enter an amount between $500 and $100,000,000

Amount in each:*This entry is required.Enter an amount between $500.00 and $1,000,000.00

Frequency of maturing Share Certificate:*This entry is required.

Dividends are compounded:*This entry is required.

Certificates in Ladder:

Certificate dividend rates:

**FIG_GRAPHTITLE** Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.

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.

Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.