In these times of uncertainty, certificates of deposits are an increasingly popular vehicles for safeguarding cash.  At First Empire CD Management, we know our clients seek to efficiently manage cash flow, yet produce higher yields.

Laddering allows you to divide your money across several CDs of varying maturities.  The benefit to you:  If interest rates drop, your long-term CDs will help protect you; if they rise, you can reinvest mature short-term CDs into higher-yielding ones.

We're happy to provide you with our current rates for investing or funding.  For the most updated rates, or more information, please contact Jane Holscher, Director of CD Management.

Click on the links below to view the current Investor/Funding rates. CD rates are updated weekly, and are subject to change and availability.