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 platforms | Available through credit unions |
FIXED-RATE INVESTMENTS
WHY INVESTORS USE THESE SOLUTIONS?
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.
BUILD FLEXIBILITY WITH A LADDERING STRATEGY
A laddering strategy spreads your investment across multiple issuers and maturity dates to provide steady income and regular access to your funds. Additionally, a certificate of deposit ladder can make sure your cash stays invested while affording periodic access to your money.
1 Principal is returned at maturity and is subject to the credit risk of the issuer.
2 Certain restrictions apply. Please refer to the offering documents for details.
3 Investments sold prior to maturity may be subject to gain or loss. Liquidity is not guaranteed.
UNDERSTANDING FIXED-RATE INVESTMENTS
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-rate investments.
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