The FLEX Account
When rates feel less predictable, the FLEX Account offers a 16-month guaranteed return with more flexibility than a traditional certificate.
Open an accountFederally insured by NCUA.
Built for flexibility. Backed by stability.
For 77 years, Sunward has been rooted in the Southwest, putting our members first. As a member, you are not a customer. You are part of a financial cooperative trusted by more than 173,000 people across the Southwest and beyond. Save with confidence knowing your deposits are federally insured by the NCUA.
Why FLEX stands out
Built for people and businesses who want predictable earnings without losing flexibility.
Guaranteed return
Lock in a fixed return for a 16-month term.
Flexibility built in
Withdraw up to 50% of your balance once per calendar month without penalty.
Keep building
Continue adding funds throughout the term as your savings grow.
Easy to get started
Open with as little as $500.
FLEX Account Rates
For a limited time, earn 4.00%* APY on new deposits of $100,000 or more. Standard FLEX Accounts earn 3.50% APY with a $500 minimum opening deposit.
Promotional Minimum Deposit: $100,000
Standard Minimum Deposit: $500
| Term | Balance | Dividend Rate | APY1 |
|---|---|---|---|
| 16 months | $500 - $99,999.99 | 3.45% DR | 3.50% |
| 16 months | $100,000 and over | 3.93% DR | 4.00%* |
1APY = Annual Percentage Yield. DR = Dividend Rate.
$500 minimum opening deposit. APY if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. Government. Yields are determined at the time of investment. Dividend rate and APY may change at the discretion of the Board of Directors. During the term of this Flex Term Certificate, the account owner may withdraw up to 50% of the account balance once per calendar month without penalty. If more than 50% of the balance is withdrawn, a penalty will be applied to the amount exceeding 50% that is equivalent to 180 days’ worth of dividends on the remaining amount. Withdrawals that reduce your qualifying balance will result in a lower rate for the remaining balance and term. A penalty may be imposed for early withdrawal. Available to personal and business members.
*The 4.00% APY is a promotional rate available for a limited time and applies to new Flex Term Certificates with balances of $100,000 or more.
Rates Effective as of:
Your path to powerful savings
1
Apply online
in as little as 15 minutes
2
Fund your FLEX
Start with $500, or bring $100,000 or more in new money to earn the promotional APY.
3
Add funds over time
Continue depositing throughout the 16-month term.
4
Use flexibility if needed
Withdraw up to 50% of your balance once per calendar month without penalty.
Business FLEX Account
Sunward’s Business 16-month FLEX Account helps business members earn a guaranteed return with flexibility built in. Add funds throughout the term and withdraw up to 50% of the balance once per calendar month without penalty. FLEX for business is a practical option for reserves, planned expenses, or the road ahead.
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