Use this calculator to evaluate the benefits of investing in a series of Certificates of Deposit with different maturities, also called a Certificate Ladder. With a Certificate Ladder, you can benefit from higher interest rates for longer maturities while achieving better liquidity than investing in a single certificate.

Total to Invest
This is the total amount to invest in your cetificate ladder.

Frequency of Maturing Certificates (in months)
How often you would like to have a certificate mature. For example, if you choose six months, one of the certificates in your certificate ladder will mature every six months.

Amount in each Certificate
How much you wish to invest in each certificate in your ladder. We use 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, we will automatically adjust it up to an evenly divisible amount.

Certificates in your 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.

Interest is Compounded
Please select 'compound monthly', because at PFFCU, interest is calculated monthly.

View and Update Rates
For each term selected, enter the dividend rate listed on our Certificate Rates page.