Ladder Deposit
The Ladder Deposit refers to a structured deposit offering (or a suite of term deposits) that enables a depositor to split a lump sum (or ongoing deposit) into multiple fixed term or notice term deposits with staggered maturity dates.
As each portion matures at different intervals, the depositor obtains periodic liquidity or access to funds rather than having all funds locked until a single long-term maturity.
Upon each maturity, the customer can choose to withdraw funds or re invest (roll over) into a new deposit thereby “rebuilding” the ladder and continuing the cycle.
- Balanced liquidity and yield
- More effective cash flow planning
- Reduced Risk vs. Single Long Term Deposit or Lump Sum
- Interest Rate Risk Management (Reinvestment & Rate Changes)
Get Started with a Ladder Deposit
Today, Tomorrow, Together
Open a TD Basic Deposit Account with CAPITA by either:
Visit us
2nd Floor,
Patrick E. McDonald Building,
Upper Collymore Rock Rd,
Bridgetown, St. Michael
Email Us
capitadeposits@capitacaribbean.com
Call Us
246-622-9200
More Information on a Ladder Deposit
Eligibility:
Open to all registered businesses, corporations, partnerships or other commercial entities
Minimum Opening Balance:
BD$500,000.00
Term:
- 1 year
- 3 years
- 5 years
Interest Rate:
Competitive interest rates.
Interest paid at maturity.
Eligibility:
Open to all registered businesses, corporations, partnerships or other commercial entities
Fees:
A portion of interest is forfeited if the deposit is broken outside of the 30-day notice period.
The details are outlined in the Account Terms & Conditions
Account Opening Requirements:
Details are captured in the account opening package which varies depending on your type of business.
Additional Information:
Refer to the Account Terms & Conditions
Contact Us
Earn More from Your Investments with CAPITA
Welcome to CAPITA Financial Services Inc., your gateway to finding the ideal investment tool for your needs. Our range of term deposit accounts ensure a safe and straightforward process to match you with the perfect solution to meet your individual needs.
Our range of term deposit accounts are tailored for both ambitious and cautious investors alike, providing a secure path to grow your wealth with guaranteed high returns, whether your desired limit is 30 days or five years, your interest rate remains fixed until maturity.
Here's why our fixed deposit account is the right choice for your financial goals:
Premium Returns:
Affordable Starting Amount:
Begin with just BBD$3,800 – $3,800,000 and watch your investment flourish.
Flexible Terms:
Choose durations that align with your cash flow trends.
Customisable Strategies:
Mix and match terms and amounts for optimized returns.
Locked-in Funds:
Stay disciplined and focused on achieving your financial milestones.
Maturity Options:
Decide how to utilize your funds upon maturity, wether by transferring earnings, withdrawing, or rolling over for continued growth.
Term Deposit Basic
Grow your business’ wealth by making your savings work for you using this investment account.
- Guaranteed Returns: Fixed interest ensure predictable growth.
- Safety: Low-risk investment with principal protection.
- No monthly maintenance fees
Business Investment Account
Earn higher returns for your business with this investment option.
- Flexible Notice Periods: Withdrawals require notice of 30 days.
- Competitive Interest Rates: Tiered rates that increase with longer notice periods and higher deposit balances.
- Partial Withdrawals: Allowed with advance notice without penalty.
- No monthly maintenance fees
