Certificate Laddering Calculator

Use this calculator to examine how certificate "laddering" can help you earn higher interest rates without tying up all your money in one, long-term investment. To set up a certificate "ladder," enter the total amount you have to invest, divide the amount into two or more certificates with differing terms, and enter the certificate interest rates available for each term.

Attention: You are leaving the Bay Federal Credit Union website

You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.