Amboy’s CD Ladder combines long term higher rates with access to your money as your CD’s mature every six months. It’s easy to get started. With a minimum of $20,000 and maximum of $250,000 you divide your money evenly and open 4 CD’s with 6, 12, 18 and 24 month terms. To keep your ladder going each one will automatically renew into a 24 month CD with a specialladder bonus rate that is higher than the prevailing 24 month rate. As a result, you’ll have access as your CDs mature every 6 months. There is a penalty for early withdrawals. Simple interest will be credited annually to an Amboy deposit account. New money only. Offer may be modified at any time. Other conditions may apply.