BROKERED CERTIFICATES OF DEPOSIT & CREDIT UNION SHARE CERTIFICATES

FIXED RATE INVESTMENT SOLUTIONS

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.

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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.

SELECT A FIXED INCOME SOLUTION FOR YOUR CLIENT

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

ISSUER & MATURITY FLEXIBILITY

A range of issuer and maturity options to support income and laddering opportunities

LIQUIDITY OPTIONS

Access to funds at maturity with potential estate feature² or secondary market liquidity³

PREDICTABLE INCOME

Fixed rates that support consistent cash flow over time¹

PRINCIPAL PROTECTION

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.

Bond Laddering Chart Revised

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FIXED RATE INVESTMENT SOLUTIONS

SELECT A FIXED INCOME SOLUTION FOR YOUR CLIENT