Flex Certificate

A more flexible savings vehicle for a changing market

If you’re looking for more growth in your long-term savings but still want to be able to add more funds or access them at a moment’s notice, our Flex Certificate can give your balance the boost it needs to keep up with your goals.

We call it a Flex Certificate because unlike a traditional certificate where you lock up a set amount of cash for the full term, you have the flexibility to make unlimited deposits throughout the certificate term AND you can withdraw up to 50% of the balance at any time without penalty.

Flex Certificates are the best of both worlds. They offer the same great rates you’d expect with traditional certificates while providing the same peace of mind your regular savings account does—easy access to your funds in case of emergency.


Flex Certificate Features:

  • Available in 9-, 18-, and 30-month terms
  • $100 minimum deposit
  • Make a one-time withdrawal of up to 50% of your balance during your certificate term without penalty
  • Add funds anytime, including regular payroll direct deposits
  • Earn a great rate throughout the term of your Flex Certificate
  • Insured and protected up to $250,0001
  • IRA and Jumbo Flex Certificates available


OPEN MY FLEX Certificate NOW


9-Month Flex Certificate

4.00%

ANNUAL PERCENTAGE YIELD2

 

18-Month Flex Certificate

3.75%

ANNUAL PERCENTAGE YIELD2

Couple running up stairs

How and Why to Build a Certificate Ladder
Woman holding a piggy bank

Start by Automating Your Saving 
Happy couple at computer in their living room

Create a Plan to Save for a Goal


1Funds can be added anytime during the term. Up to 50% of the Flex Certificate balance may be withdrawn one time during the term without penalty. Withdrawals in excess of 50% are subject to early withdrawal penalties. Fees may reduce earnings. Minimum deposit to open is $100. Maximum deposit is $500,000. Deposits can be added to the IRA Certificate up to your annual limit for IRA contributions. The Flex Certificate automatically renew at maturity to the rate in effect at that time.

2Rate is current as of RSeptember 9, 2026