Share Certificates

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If you want to grow your assets with a guaranteed yield, open a Bronco Share Certificate. We offer a low minimum deposit and a number of term lengths so you can choose a commitment level you’re comfortable with. Of course, longer terms equate to higher dividends, but if you use a "laddering" method to stagger your investments, you can maximize your yields without tying up all of your assets in one basket.

"Laddering" Share Certificates
"Laddering" is a term that refers to breaking your overall share certificate investment into equal parts and staggering the terms on each (like the rungs on a ladder) so you have a different certificate maturing every 12 months.

For example:
Suppose you have $50,000 to invest. Create your ladder by initially investing in five different $10,000 share certificates, each with a different term (Certificate One has a term of 12 months, Certificate Two has a term of 24 months, etc.). Using this method, you’ll have a certificate maturing every 12 months for the next five years.

To continue the process, at the maturity date, roll each back into a 60-month certificate. Keep doing this and you’ll be getting the highest yield rate on certificates that are maturing every 12 months. This is a terrific way to ensure that you’re earning a guaranteed rate without risk.

A Bronco Share Certificate offers you:

• A minimum deposit of just $1,000
• Convenient terms of 6, 12, 24, 36, 48 and 60 months
• Higher dividend rates on longer 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