Smart Flex 2019-01-02T19:42:25+00:00


  • Open online or in person with a NEW MONEY investment of $5000 or more from another financial institution.
  • Insured up to NCUA allowable limit.


  • Watch your savings grow with up to 1.40% APY on balances of $25,000 or more.*1
  • Balances up to $24,999 earn a competitive tiered rate.*2
  • Dividends are compounded monthly and calculated on your daily balance.


  • Access is available 24/7 via mobile app and online at*3
  • No minimum balance requirement.
  • Link SmartFlex as an overdraft source to your Mobiloil Credit Union Checking Account.*4

SMART FLEX is a personal money market savings account. One SMART FLEX account per membership. Minimum opening deposit is $5000 or more in new money from another financial institution. SMARTFLEX has no maintenance fee or minimum balance. Access is limited to online, in app, by phone or in person. This account cannot be accessed with paper checks or a debit card. 1. APY is annual percentage yield. Rates are subject to change without notice. 2. Less than 10,000 .50% APY 10,001 – 24,999 .75% APY. Rates subject to change without notice. 3. Per Reg D withdrawal guidelines; online and in app transactions are limited to 6 per month. A $15 fee is assessed for withdrawals beyond allowable limit. Unlimited withdrawals are allowed in person at any Mobiloil CU location. However, a $7 fee may be assessed after 3 in person withdrawals. 4. Mobiloil CU allows automatic transfers from a linked account be used to pay overdrafts when necessary. A $5.50 fee is accessed when an overdraft transfer is initiated.

Federally insured by NCUA.