Smart Flex is a money market account, for life.

Open online or in person with an investment of $2000 or more and watch your savings grow with our tiered competitive rates.

  • Dividends are compounded monthly and calculated on your daily balance.
  • Access is available via MobiloilX, mobile app and online at
  • No minimum balance requirement.
  • Link SmartFlex as an overdraft source.
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Smart Flex

Rates in effect as of October 3, 2023

$0.00 - $9,999.99 0.40% 0.40% Monthly
$10,000.00 - $24,999.99 0.60% 0.60% Monthly
$25,000+ 0.80% 0.80% Monthly

APY is Annual Percentage Yield. Account dividends are earned on the daily balance. Rates quoted and corresponding APY's are based on the last paid dividend rates and are subject to change monthly without notice and at the discretion of the Board of Directors.

Spend. Save. Thrive.

5.9% APR on all balance transfers for the life of the balance!


  • 2023 Holiday Closings
  • Read our Quarter 3 Newsletter
  • Escheatment Notice
  • Digital Banking Security Tips
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