Unlock your money's true potential.
Ramp up your earnings with safe and simple Heritage Grove Certificates of Deposit (CDs).
Want to earn a consistently strong rate but don’t want to tie your money up for five years at a time? Try "laddering." Here's how it works:
Suppose you have $10,000 to put into CDs. Instead of putting the full amount into one 12-month CD, put $2,000 each into a 12-month, 24-month, 36-month, 48-month and a 60-month CD. At the first year, reinvest your 12-month CD into a 5-year CD. If you do the same thing for each of the following years, by the end of the fourth year all five of your CDs will be earning our top interest yield, but you'll still have a CD maturing every year.
Sound complicated? Don't worry, we're here to help. We can get you enrolled over the phone, in person or you can enroll online anytime.