Putting cash into piggy bank

Smart Certificate Strategies for a Rising Rate Environment


The Federal Reserve raising interest rates is good news for savers because along with the Fed’s boost often comes an increase in certificate rates.

To make the most of certificate investing in a rising rate environment, you’ll want to follow a few simple guidelines.
 

Time it

Certificate rate increases typically occur just after the Federal Reserve raises rates. Here’s the Fed’s rate-setting calendar to time the purchase of your certificates. Additionally, 1st United tends to increase rates on the first of the month so keep an eye out for announcements.

Certificates provide guaranteed returns and flexible terms.
 
 

Ladder it

Using a certificate laddering strategy helps you to start investing now while also taking advantage of a future rate increase. With laddering, you invest smaller amounts of money into certificates that mature at different intervals, and time them so they renew and reinvest annually throughout the rising rate environment.

Bump it

1st United allows you to bump up your certificate rate once during the term of some certificates. If we raise rates, be sure to take advantage of your one-time certificate rate bump request by contacting us.

With a little planning, a watchful eye, and a pulse on what the Federal Reserve is doing, you can maximize your certificate investments. As always, stop by if you have questions or would like help mapping out a certificate strategy.









Recommended for You


piggy bank icon illustration

Checking Accounts
Whether you like dividends, rewards, or just "free," we have the account for you.

plant icon illustration

Financial Education
Stay informed about the latest news and scams, and learn how to reach your goals.

pie chart with coin icon illustration

Today's Rates
Don't miss out on our competitive rates.


Stacks of money next to piggy bank

Certificate Rates As High As 2.75% APY !

Save and earn more, the safe and secure way.