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BROKERED CERTIFICATES OF DEPOSIT & CREDIT UNION SHARE CERTIFICATES
Brokered Certificates of Deposit (CDs) and Credit Union Share Certificates provide fixed-rate investment solutions designed to help investors preserve principal, generate predictable income, and diversify fixed income portfolios.
| Feature | Brokered CDs | Share Certificates |
|---|---|---|
| Issuer | Banks | Credit Unions |
| Insurance | FDIC-insured, subject to applicable limits | NCUA-insured, subject to applicable limits |
| Rate Structure | Fixed interest rate | Fixed dividend rate |
| Terms | Flexible maturities from short- to long-term | Typically, short- to intermediate-term durations |
| Portfolio Use | Income, laddering, diversification | Income, capital preservation, diversification |
| Access | Available through brokerage or issuer platforms | Available through brokerage or issuer platforms |
INSURED DEPOSITS
WHY INVESTORS USE THESE SOLUTIONS
A range of issuer and maturity options to support income and laddering opportunities
Access to funds at maturity with potential estate feature2 or secondary market liquidity3
Fixed rates that support consistent cash flow over time1
Federally insured up to $250,000 per depositor, per institution, per ownership category1
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UNDERSTANDING FEDERALLY INSURED DEPOSITS
WHAT ARE BROKERED CDs AND CREDIT UNION SHARE CERTIFICATES?
Brokered Certificates of Deposit (CDs) and Credit Union Share Certificates are fixed-rate investments issued by banks and credit unions. They offer predictable income, principal protection within applicable insurance limits, and a range of maturity options to help support diversified fixed income strategies.
INVESTMENT BENEFITS
PREDICTABLE INCOME WITH PRINCIPAL PROTECTION
Brokered Certificates of Deposit (CDs) and Credit Union Share Certificates help advisors build diversified fixed-income portfolios with flexible issuer, maturity, and income options tailored to client investment objectives.
Help preserve capital while generating predictable income.1
Build diversified fixed income portfolios across multiple issuers and maturities.
Customize maturity schedules to align with client liquidity needs.
Support long-term income strategies through bond laddering and fixed rates.
Access brokered CDs and credit union share certificates on our platform.