Split Your CD Investment For A Better Return

When certificate of deposit interest rates go up and down, it's hard to know what to do with your money. You may not want to tie up all your money in a long term certificate, but you can't take advantage of the higher long term rates if you choose to stay with a more liquid account.

What's The Solution?
A great way to get the best of both worlds is to split your investment. By splitting your certificate portfolio, you can spread your funds out over two different terms. This enables you to increase the overall rate you're earning without locking up all your money for a long term.

Use the following work chart to see an example of how this could work if you split your certificate into two certificates with an equal amount in each. A Dollar Bank Representative can help you complete the charts below. Call 1-888-418-BANK for assistance, or to find a location. click here.

Your Current Certificate

Term in Months______

Balance $___________

APY_____%

Split Your Investment For Increased Savings

Certificate #1
Term in Months______	Balance $___________	APY_____%
Certificate #2
Term in Months______	Balance $___________	APY_____%

Overall Portfolio

Balance $__________    Average APY______%

Based on the analysis presented above, splitting your investment will increase your overall rate of return:

From______% APY    To______% APY

The information presented in this publication is general in nature; it is not our intention to provide specific advice to individuals or a compre-hensive discussion of subject matter. We suggest that you consult with your financial or tax advisor, accountant or attorney to obtain specific advice or comprehensive information.