What Is a Flex CD? A Smarter Way to Grow Your Savings Without Giving Up Flexibility
A CD With a Little More Flex
Traditional certificates can be a great way to earn a competitive return on your savings, but locking your money away for months or years may not work for everyone. That’s where a more flexible certificate can make a difference.
Meet RadiFi’s 11-Month Flex Access CD
RadiFi Credit Union’s new 11-Month Flex Access CD Special gives you an opportunity to earn a competitive 4.10% APY* while keeping more flexibility than you may expect from a traditional certificate.
With a minimum opening deposit of just $500 in new money, the Flex Access CD is designed for savers who want to put their money to work without feeling completely locked in.
You’ll have the ability to:
- Earn 4.10% APY*
- Open with as little as $500
- Make up to two additional new-money deposits during the first 60 days
- Make one withdrawal of up to $5,000 without an early withdrawal penalty
- Enjoy a manageable 11-month term
It’s a different approach to certificate savings — one that gives you competitive earning potential along with room to adjust if your plans change.
Who Is This CD Designed For?
The Flex Access CD may be especially attractive for savers who want a competitive fixed return but still value access and flexibility.
A Savings Option for Money You Want to Grow
A Flex Access CD could make sense if you:
- Have money sitting in a lower-yield savings account
- Want to earn a competitive fixed APY for the next 11 months
- Expect to have additional funds available soon
- Want some access to your savings without automatically triggering an early withdrawal penalty
- Are saving toward a goal that is approximately a year away
- Want an alternative to committing your savings to a longer-term certificate
Whether you’re building your emergency reserves, preparing for a large purchase, setting aside proceeds from another investment, or simply looking for a stronger place to keep excess savings, the Flex Access CD can help your money continue working toward your goals.
Flexibility Matters
The rate matters when choosing a certificate — but it isn’t the only thing worth considering.
Look Beyond the APY
When comparing CDs or share certificates, consider the complete account structure.
A high APY can be attractive, but also look at the minimum opening balance, length of the term, early withdrawal rules, whether additional deposits are permitted, and how easily you can access your money.
RadiFi’s 11-Month Flex Access CD combines several features that aren’t always available together:
Competitive earnings. A relatively short term. The ability to add funds. And limited penalty-free access to your money.
That combination can give you more control over your savings strategy while still allowing you to lock in a competitive rate.
Put Your Savings to Work
Your savings should support your plans — not get in the way of them.
The CD That Bends the Rules
Earn 4.10% APY* with RadiFi’s 11-Month Flex Access CD Special and enjoy savings flexibility that goes beyond the traditional certificate.
Start with just $500 in new money, add qualifying funds during the first 60 days, and have the option to make one withdrawal of up to $5,000 without an early withdrawal penalty.*
If you’ve been waiting for a certificate that offers more than just a competitive rate, this may be the opportunity you’ve been looking for.
Disclosures
APY = Annual Percentage Yield. The advertised 4.10% APY applies to the promotional 11-Month Flex Access Share Certificate. A minimum opening deposit of $500 in new money only is required to open the certificate and earn the advertised APY. New money is defined as funds not currently on deposit with RadiFi Credit Union and that have not been on deposit with RadiFi Credit Union within the previous 30 calendar days. Up to two additional deposits of new money only may be made to the certificate during the first 60 calendar days after account opening. One withdrawal of up to $5,000 may be made during the 11-month certificate term without an early withdrawal penalty. Any additional withdrawal, or withdrawal not meeting the requirements of the penalty-free withdrawal feature, may be subject to an early withdrawal penalty and may reduce earnings. A minimum balance of $500 must remain in the certificate following any withdrawal. Offer begins September 1, 2026, and is available for a limited time. RadiFi Credit Union may modify or discontinue the promotional offer at any time. Fees may reduce earnings. Membership eligibility and account-opening requirements apply. Additional terms, conditions, and restrictions may apply. See RadiFi Credit Union’s account disclosures for complete details.