Flex Certificate of Deposit

Open a Flex CD Today

Our Flex CD offers you the high rate of a Traditional CD while giving you the flexibility of a savings account.

Rates as high as 3.35% APY¹
Minimum amount to open and maintain a Flex CD is $250.00
Unlimited deposits may be made to a Flex CD
Guaranteed high rates for the term of the certificate
Dividends may be:
- Added to certificate
- Transferred to checking or savings
- Withdrawn at any time without penalty

Product Information

Earns dividends, see current rates
Must have a S1 savings account with a minimum of $5.00
Two penalty-free withdrawals may be made from a Flex CD during the 12-month term as long as the minimum $250 balance is maintained
Penalties will be incurred if excessive (more than two) early withdrawals are taken (Penalty = 90 days of dividends, whether earned or not)
Withdrawals of paid dividends are permissible at any time without penalty
Maturity notices mailed 30 days before maturity date
Members will receive statements quarterly (if checking account does not exist)
12-month term
Dividends are paid monthly and at maturity
Prevailing dividends rates will remain in effect during entire term of Flex CD
Flex CDs automatically renew for same term at current Flex CD rate

NCUA Insurance Coverage Booklet – Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

APY is Annual Percentage Yield. Accurate as of 07/27/2026. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account. The stated APY assumes no withdrawal of principal or dividends during the term of the certificate of deposit. Penalties will be incurred if excessive (more than two) early withdrawals are taken.