**A Flexible CD That Works With You — Not Against You**

Lock in a competitive fixed rate and keep your money flexible. Add funds anytime. Avoid early withdrawal stress with one withdrawal per month. Start with just $500.

Open Your Flex CD View Rates

Why the Flex CD?

The Best of Both Worlds: High Yield + Real Flexibility

Traditional CDs force you to choose between earning more or staying liquid. The Flex CD gives you both. With this flexible certificate of deposit, you’ll enjoy a competitive fixed rate – and the freedom to manage your money on your terms.

Key Features

Fixed, Competitive Rate
Your rate never changes during your term – and once you reach a minimum balance of $2,500, you’ll enjoy a great, competitive rate.
Add Money Anytime
Grow your CD at your own pace. Make additional deposits whenever you want.
One Withdrawal Per Month
Once your balance reaches $10,000, you can make one withdrawal per month at no cost.
Start With Only $500
You don’t need a large upfront deposit. Start small and build over time.
Balance Safety and Flexibility
Your money across all your accounts are federally insured up to $250,000 – including the funds in your Flex CD.

Who Is the Flex CD For?

The Flex CD is ideal for people who want:

A strong fixed rate without locking away all their money
The ability to add funds over time
A smart place to keep emergency or opportunity funds
Structured saving with room to adapt to changing financial needs
A way to grow savings without losing access

You might use the Flex CD to…

Build Savings Over Time: Start with $500 and add to it monthly.
Park a Larger Balance: Once you reach $10,000, you can access funds monthly if needed.
Keep an Emergency-Friendly Savings Strategy: Keep your safety net accessible while earning more than a traditional savings account.

Example Use Cases

Building Savings Over Time: Start with $500 and add to it monthly.
Parking a Larger Balance: Once you reach $10,000, you can access funds monthly if needed.
Emergency Savings Strategy: Keep your safety net accessible while earning more than a traditional savings account.

CD Specials

Account Details | Find Local Branch

Term	Minimum to Open	Minimum Balance	Interest Rate	APY
4 Month Special	$500.00	$500.00	3.65%	3.69%
7 Month Special	$500.00	$500.00	3.60%	3.63%
Your Flex CD (15 Month)¹	$500.00	$500.00	3.54%	3.59%
15 Month Special	$500.00	$500.00	3.61%	3.66%
Your Flex CD (35 Month)¹	$500.00	$500.00	3.40%	3.44%

¹Interest compounds quarterly and credits quarterly. Early withdrawal penalty is $50 (if closed before maturity or make withdrawals when the balance is below $10,000.00) Make 1 FREE withdrawal from your Flex CD each month as long as the balance is above $10,000 at the time of the withdrawal. Make deposits into your Flex CD as much as you like! A penalty may be imposed for any CD withdrawals before maturity. Fees may reduce earnings on an account.

APY=Annual Percentage Yield. A penalty may be imposed for any CD withdrawals before maturity. Fees may reduce earnings on account.

Ways the Flex CD Can Help

Pain Point 1: “I want a good rate, but I can’t lock away all my money.”

Most CDs require you to give up access to your funds entirely for the duration of the term. The Flex CD solves this by allowing one withdrawal per month once you reach $10,000 – giving you both a high yield and flexible access.

Pain Point 2: “I don’t have a bit lump sum to open a CD.”

Many CDs require $5,000–$10,000 upfront. The Flex CD starts at just $500 and allows unlimited add on deposits, making it perfect for savers who want to build over time.

Pain Point 3: “Life hit me with a big, unexpected expense.”

A furnace dies in the middle of winter. A car needs a major repair. A medical bill shows up out of nowhere. Traditional CDs lock your money away – but the Flex CD lets you access funds once you reach $10,000. You’ll enjoy more peace of mind, knowing your savings are still growing and still available when life throws a curveball.