First Empire CD Management has provided institutions with a reliable source for non-negotiable certificates of deposit for more than 20 years. Specializing in fixed- and variable-rate CDs with maturities of one year or more, First Empire can identify certificates of deposit to meet the needs of any institution. Our seasoned professionals negotiate rates and can ladder maturities to meet specific requirements.
As a leading partner for institutions, we have the resources to assist you with acquiring as much money as you need, as quickly as you need it, at the lowest possible cost. By tapping into a nationwide network of institutions we can quickly identify potential depositors that meet an institution's specific needs.
Certificates of deposits are an increasingly popular vehicle 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.