Flex-Term Certificate

Boosted Earnings On Your Terms

Boost your savings with our Flex-Term Certificate!

blue checkmark icon
Earn a competitive rate
4.59% APY*
which is almost 2X the national average!**
blue checkmark icon
Short-term savings growth
Choose the term that best meets your savings goals – 5 months, 9 months, or 13 months.
blue checkmark icon
Low minimum
Open this new money certificate with only $1,000.
blue checkmark icon
No monthly maintenance fees
Accumulate dividends without fees and withdraw earnings or roll them over to keep saving.

This promotional offer is only available for new money to the Credit Union.*

Open a Flex-Term Certificate your way!

computer cursor icon

Go Online

Open your Certificate
phone ringing icon

Call Us

Call the Solution Center at 1-800-894-1200 to open your Certificate.
location icon

Visit Us

Stop by a branch to open
your Certificate.

If you are not a member, you must open a Primary Savings Membership account before opening
the Certificate, which can also be done online, over the phone, or at a branch.

This special offer is available for a limited time, so don’t miss out on the savings boost!

*APY= Annual Percentage Yield is accurate as of 1/01/24. The current dividend rate is 4.59% APY. Available for new money only. New money is defined as funds not currently or previously on deposit with LA Financial CU or Havasu Community CU. The advertised 4.59% APY with a minimum of $1,000 assumes dividends remain on deposit until maturity. Once mature, a 5-month term certificate will roll over to a 6-month term at the then current rate; 9-month or 13-month term certificates will roll over to a 12-month term at the then current rate. Dividends accrue daily and are paid monthly and at maturity. Early withdrawal penalties apply. This offer is valid for Traditional and Roth IRA Certificates. This offer is not valid on business accounts. All Credit Union programs, rates, terms, and conditions are subject to change without notice. Offer rates and terms are subject to change without notice. Please see our Account Agreement and Deposit Disclosures Packet at for full terms and conditions. For current dividend rates, go to You must be a member or qualify for membership to open a certificate. Federally Insured by NCUA.

**APY for the Flex-Term Certificate is 2X the national average of 1.86% APY on a 12-Month CD as published in the FDIC Weekly National Rates and Rate Caps accurate as of December 18, 2023.