Tired of watching interest rates climb while your savings account stays flat?

That's where the FLEX12 Certificate comes in to save the day. The FLEX12 CD offers a smarter way to grow your money. Unlike traditional CDs, the FLEX12 adjusts with the market, so you don't get locked into a low rate when rates go up. By depositing a minimum of $750, you can keep pace with the changing market without putting your initial deposit at risk. All with a 12 month term. And now, you can earn 5.62% APY*!

Earn 5.62% APY*

Discover the attractive rates for the Flex12 Certificate of Deposit.

Discover the Benefits

  • Adapts to the Market: The Flex12 CD gives you a significant advantage in an environment of rising interest rates.
  • It's Different: The Flex12 CD isn't just another Certificate of Deposit account. Its unique tie to the three-month Treasury Bill plus an additional 0.25% sets it apart.
  • Add Funds at Your Convenience: Enjoy the freedom of adding an extra $2500 or more to your Flex12 CD anytime you like, without the hassle of opening additional accounts.
  • Best of Both Worlds: The Flex12 CD combines the power of market investing with the safety of a certificate account.
  • Competitive Rates: Helps you maximize your earnings potential.

How to Open Your Flex 12 CD

Questions About Opening Your Flex12 CD?

Visit a conveniently located branch near you, or call (541)-928-4536. Our friendly employees would love to help!

Frequently Asked Questions

  • The minimum opening deposit for the Flex12 CD is $750.

  • The new Flex12 CD rate will be effective on the first business day of the quarter.

  • Yes, there is an early withdrawal penalty. The penalty follows our 12-month fixed-rate certificate.

  • The APY is determined by adding .25% to the 3-month Treasury Bill auction investment rate.

  • Yes, you can add subsequent deposits of $2500 or more at any time during your 12-month period.

Let’s Do This

Submit the form below and we'll be in touch to assist you in launching your journey with this exciting product.


*APY=Annual Percentage Yield. Above is the variable Dividend Rate and variable APY for Flex Certificate Accounts and IRA Flex Certificate Accounts. The variable Dividend Rate and APY are effective 07/01/2024 through 09/30/2024. The minimum to open a 12-month term Flex Certificate Account or IRA Flex Certificate Account and earn the stated APY is $750. Subsequent deposits can be added at a minimum of $2500 or more per deposit. The APY is determined by adding .25% to the 3-month Treasury Bill auction investment rate on or about the 26th day of the last month of each quarter. The Flex12 CD rate will be effective on the first business day of the next quarter. The dividend rate is subsequently calculated based on the indexed APY. Rate is subject to change after account opening. Fees or other conditions could reduce earnings on the account. Substantial penalty imposed for early withdrawal. All accounts are subject to the applicable terms and conditions set forth in the Truth in Savings Disclosure and Account Agreement, Disclosure and Account Agreement for Certificates and IRA Certificates, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Account Agreement references.