Flex Fund CD Accounts
Embrace the future with confidence: Unlock savings and flexibility wherever life takes you.
Why Choose a Flex Fund CD?
Make your money grow faster by earning a higher yield while maintaining partial access to your funds. Our Flex Fund CD Account combines the high-interest rewards of a traditional CD with the adaptability for planned big purchases or life's unexpected turns. You can earn 3.55% APY with a $500 minimum and up to a 50% withdrawal potential. You sacrifice a little freedom but earn much more.
Higher Yield Than Savings
Access to your Funds
Save More Money
Key Features of a Flex Fund CD
Low Minimum Open Balance
Open an account for just $500.3.55% APY
If you’re looking to grow your money without the risk, this might be the option for you.
No Long Term Commitment
This comes with just a 12 month term.Open Your Account with these Simple Steps:
Opening Deposit: $500
Must be 18 years or older to open an account.
Complete the Application Form
Please fill out the form, and a member of our local team will be in touch soon.
OR
Apply at Your Nearest Branch
Our customer support team can help at any of our physical locations.
Complimentary Benefits
Free Online & Mobile Banking
Free E-Statements
Certificate of Deposit (CD) Calculator
How will the value of your certificate of deposit (CD) change over time? Use this calculator to estimate what it could be worth.
Frequently Asked Questions
The Flex Fund CD offers the same high-yield growth as a traditional certificate of deposit but allows one penalty-free withdrawal of up to 50% of your original balance during the 12-month term—providing flexibility without sacrificing earnings.
You must be 18 or older and have a minimum opening balance of $500. The account has a 12-month term and earns a competitive 3.85% APY.
You’ll enjoy free online and mobile banking with eStatements, making it easy to track your savings and manage your funds conveniently from anywhere.
- FSCB CDs are certificates of deposit accounts and subject to the terms and conditions provided at account opening and any other related disclosures.
- The Flex Fund CD is subject to change at any time. Not available for brokered deposits, or to public entities, financial institutions, or Commercial Banking customers, as identified by FSCB.
- Annual Percentage Yields (APYs) are accurate as of date account is established. Rates offered for CDs may be changed at any time without notice. The minimum balance required to open the CD and obtain the APY is $500. Early withdrawal of funds may result in an early withdrawal penalty. The first withdrawal is penalty-free up to 50% of the initial investment. Any additional withdrawal or anything withdrawn OVER 50% will be penalized 3 months’ interest on the amount withdrawn.
- If you close your account early, you will not receive any accrued interest that has not been paid to your certificate.
- CD interest will compound quarterly
- The Flex Fund CD is a fixed rate CD until the first maturity. At maturity, the current 12m CD rate will be given. A maturity notice is sent to the customer prior to the maturity date, and the customer has 10 days to make any changes.
