Certificates

Lock in a great rate for future gains.

If you have watched the rise and fall of the stock market, you might be wondering if there is a better way to grow your assets. There is. With a Bronco Certificate, your earnings are guaranteed for the term of your investment. No ups. No downs. Just a smooth, steady progression of dividends.

What’s the catch? If you withdraw money from the account before it matures, you may be assessed a penalty. However, we offer a variety of rates and terms so you can make a short-term investment, or let it ride for a while. Of course, longer terms equal higher dividend rates, but if you use the “ladder” method, you can maximize your yields without tying up all of your assets in one basket.

A Bronco Certificate offer you:

• A minimum deposit of just $1,000*.
• Convenient terms of 6, 12, 24, 36, 48 and 60 months*. We also periodically provide special promotional term lengths.
• Generally, you’ll earn higher dividend rates on longer terms (except with promotion terms).
• Dividends that are paid and posted to your account quarterly.
• The ability to apply your dividends back to the certificate or to another Bronco account.

View our Certificate rates and see how your earnings will grow.

“Laddering” Certificates

“Laddering” is a term that refers to breaking your overall share certificate investment into equal parts and staggering the terms of each (like rungs on a ladder). This provides you with a way to get the maximum yield, but still having a certificate maturing every 12 months.

Here’s how it works:

Suppose you have $50,000 to invest. Create your “ladder” by investing in five different $10,000 certificates, each with a different term (12 months for the first one, 24 months for the second, 36 months for the third, 48 months for the fourth and 60 months for the fifth).

When the first certificate matures after 12 months, roll it back into a 60-month certificate. Do the same each year after. By the sixth year, you’ll be earning the 60-month rate on each certificate, but one will still mature each year after.