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Dream Builder Flex Certificate










Build a savings that fit your life

Unlike traditional certificates, the Dream Builder Flex Certificate  gives you options. You earn more than a standard savings account while still having access to your money when life doesn’t go as planned. That means fewer tradeoffs, and more confidence when you commit to saving.
 
 
 
With our Dream Builder certificate, you get:
  • A 12‑month term that helps you stay focused without a long commitment.
  • Competitive dividends that reward you for saving consistently.
  • Up to two penalty‑free withdrawals, so unexpected expenses don’t derail your progress.
  • Quarterly compounding to help your savings grow faster over time.

 
Term Minimum to Open APY* Compounds
12-Month $1 2.50% Quarterly


 
Whether you’re building an emergency cushion, saving for a home upgrade, or planning a milestone purchase, our Dream Builder Flex Certificate helps you move forward, without worrying that your money is out of reach.

Open Dream Builder Today
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FAQs

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Can I add money after opening?
Yes! Add on deposits are allowed and encouraged.

How are dividends calculated?
Dividends are calculated using the daily balance method and compound quarterly.

What happens when my certificate matures?
You’ll receive notice of the updated rate and maturity date, and you’ll have a 10 day grace period to make changes without penalty.

Do I need to remember to renew it?
No. Your certificate automatically renews for 12 month terms unless you act within the grace period.



Savings That Grow - Without Locking You In

Whether you’re just starting your savings journey or planning for a special purchase, this certificate offers the perfect balance of higher earnings and accessible funds. Your savings stay secure, and you stay in control with automatic renewal and a grace period at maturity, so you can adjust your plan as your goals change.

Start building savings that work for your life.
 
 
*APY=Annual Percentage Yield, Rates effective 1/20/2026. Certificates may have penalty for early withdrawal. Fees may reduce earnings and/or principal on the account. Rates subject to change without notice. Rates do not apply to institutional or government deposits.
You may prevent renewal if you close the account at maturity. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.

All other terms for the Term Share Certificate as listed in the Understanding Your Account Brochure and Truth in Savings Disclosure, shall remain in full force and effect.Additional terms and tiers available by visiting a branch, scheduling an appointment or calling 920.494.2828.