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Flex CDs

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 CD can give your balance the boost it needs to keep up with your goals.

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

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

Flex CD Features:

  • Available in 18- and 30-month terms
  • $100 minimum deposit
  • Make a one-time withdrawal of up to 50% of your balance during your CD term without penalty
  • Add funds anytime, including regular payroll direct deposits
  • Earn a great rate throughout the term of your Flex CD
  • Insured and protected up to $250,0003
  • IRA and Jumbo Flex CDs available

Open My Flex CD Now



You’ve identified your savings goals and trained your savings habit.

Now you can really start flexing your savings muscle with our Flex CD. Open now.



1Annual Percentage Yield. An Ardent Savings Account with a minimum deposit of $5.00 is required.

2Funds can be added anytime during the term. Up to 50% of the Flex CD balance may be withdrawn one time during the term without penalty.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 CD up to your annual limit for IRA contributions. The Flex CDs automatically renew at maturity to the rate in effect at that time. An ardent membership is required for this product. You are eligible to join If you live, work, worship, volunteer or go to school in Philadelphia, Bucks, Chester, Delaware and Montgomery counties. 

3Your savings is federally insured by the NCUA.