CD Laddering

Tioga State Bank also offers a unique CD Laddering option, allowing you to invest like a professional and take advantage of the convenience, safety, soundness and high returns when you ladder your CD investments at Tioga State Bank.

The easiest way to build a CD ladder:

• Open five Tioga State Bank Ladder CDs, each maturing one year later than the next.
• As each Ladder CD matures, open a new five-year Tioga State Bank Ladder CD.
• Eventually, you’ll have a five-year Ladder CD maturing every year.
• In most cases, a five-year Tioga State Bank Ladder CD yields more than one with a shorter maturity.

This way, you get the highest possible yield and still have a CD maturing each year. Use our CD Ladder Calculator to examine the benefits of investing in a series of Certificates of Deposit with different maturities, also called a CD Ladder.