Rate shown is Annual Percentage Yield (APY).¹

Grow your savings with no regrets

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Have money sitting in a lower-yield savings account? Flex CDs may earn you more interest with fewer restrictions than traditional CDs. Open with a $1,000 minimum deposit. Then enjoy peace of mind, knowing you can make any (or all) of these changes along the way:

Bump up your rate: If rates go up, yours can, too! Take advantage of a one-time rate increase.2

Deposit more, earn more: Add money to your CD with a one-time additional deposit.3

Withdraw early: Access the money you need with a one-time withdrawal.4

 

Open a CD in a center

Features that flex to your needs

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BUMP UP YOUR RATE IF:

Flex CD rates increase and you want yours to match the new, higher rate. You can bump yours up one time to maximize your earnings.

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ADD ANOTHER DEPOSIT IF:

You have money in a variable-rate savings account and rates fall. Move those earnings to your fixed-rate Flex CD with a one-time additional deposit.

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WITHDRAW UP TO 50% IF:

You need money for unexpected expenses, another financial opportunity or a vacation. Withdraw up to 50% of your balance once with no penalty.

Open a CD your way — we’re flexible

Stop by a local Service Center

Not a member yet? Visiting a center is the easiest way to open your CD.

Open in person

Open online, from anywhere

Log into online banking and follow the steps to open your CD online.

Open online

Give us a call

Call 800-525-9623 and we’ll be glad to help you open your CD.

Open by phone

1Annual Percentage Yield (APY) and dividend rate are effective as of 09/01/23 and may change at any time. Visit Ent.com/Rates for current rate information. $1,000 minimum deposit is required for Flex Certificates of Deposit. A penalty may apply for early certificate of deposit withdrawal. Penalties could reduce your earnings. Certificates automatically renew at the current non-promotional rate upon maturity. Dividends are paid from current income and available earnings after required transfers to reserves.2 Allows a member to change the dividend rate once during the term to the current Flex Certificate of Deposit Rate. 3 Allows the member to add to the certificate of deposit once within the first year with an additional minimum deposit of $1,000. 4 Allows the member a one-time withdrawal of up to 50% of the current balance during the term without an early withdrawal penalty.
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