The FlexInsured® Account is an excellent complement to your investment account with Cetera Investment Services, LLC. It allows you to protect your cash balances while still linking your FDIC-insured holdings with your investment account for more control and simplified management of your money. Select FlexInsured Account as your sweep option, and available cash balances will be deposited into an interest-bearing, FDIC-insured deposit account at one or more financial institutions.
FlexInsured Program Interest Rates (as of November 27, 2024)
| Tier | Range | Rate/Annual Percentage Yield |
| Tier 1 | $0 - $24,999 | 0.25% |
| Tier 2 | $25,000 - $49,999 | 0.25% |
| Tier 3 | $50,000 - $99,999 | 0.25% |
| Tier 4 | $100,000 - $249,999 | 0.35% |
| Tier 5 | $250,000 - $499,999 | 0.45% |
| Tier 6 | $500,000 - $749,999 | 0.50% |
| Tier 7 | $750,000 - $999,999 | 0.75% |
| Tier 8 | $1,000,000 - $1,499,999 | 1.00% |
| Tier 9 | $1,500,000 - $4,999,999 | 1.30% |
| Tier 10 | $5,000,000 - $9,999,999 | 1.50% |
| Tier 11 | $10,000,000 - above | 2.00% |
List of Participating Financial Institutions
- Bank United, Miami Lakes, FL
- Citibank, New York, NY
- Continental Bank, Salt Lake City, UT
- CTBC Bank Corp (USA), Los Angeles, CA
- Customers Bank, Phoenixville, PA
- Falcon National Bank, Foley, MN
- First Guaranty Bank, Hammond, LA
- Flagstar Bank, Troy MI
- Forbright Bank, Chevy Chase MD
- Luana Savings Bank, Luana, IA
- Pinnacle Bank, Nashville, TN
- State Street Bank and Trust Company, Boston, MA
- TriState Capital Bank, Pittsburgh, PA
- Truist Bank, Lumberton, NC
- United Community Bank, Blairsville, GA
- US Bank, Minnesota, MN
- Western Alliance Bank, Phoenix, AZ
INTERMEDIARY BANK
First National Bank of Omaha