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Share Certificates

Go short, go long, or do it all

With these flexible Share Certificate rate offers.

Start Saving

 

 

6-Month
Share-Certificate

3.00% APY*

Open 6-Month SC

11-Month Liquid
Share-Certificate

3.00% APY2

Open 11-Month SC

12-Month
Share-Certificate

3.00% APY*

Open 12-Month SC

5-Year
Share-Certificate

3.60% APY*

Open a 5-Year SC

Lock-in your savings

Nothing is left to guess when you invest in a Share Certificate. As long as you don’t withdraw your funds, you’ll get your earned dividends upon maturity at the onset of your investment.

Share Certificate Rates

Rates Effective as of: 05-30-2024

Term$1,000 - $100,00+
11 Month Liquid3.00% APY*
6 Months 3.00% APY*
1 Year3.00% APY*
2 Years^3.20% APY*
3 Years^3.30% APY*
4 Years^3.40% APY*
5 Years^3.60% APY*

Rates accurate as of 09-13-2023

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Icon of a rate bump

Enjoy a One-Time Rate Bump

If you choose a term that’s two or more years, you’ll get a one-time chance to ”bump up” your rate to earn the highest dividends possible.1

Open a Share Certificate

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Optional Laddering

Opening multiple share certificates (each with a different term) can help you free up cash when you need it, while still earning a stellar rate.

Open Multiple Share Certificates

Disclosure

Membership is required.

*APY=Annual Percentage Yield. Minimum deposit to earn the advertised APY is $1,000. Offer applies to new share certificates only and is subject to change without notice. APY is accurate as of 09/13/2023 and is subject to change without notice. Dividends will be compounded and credited to your account quarterly.Early withdrawal penalties apply. Fees may reduce earnings on the account. In the event of a withdrawal before your certificate term matures: certificates with terms from six months to one year are subject to a penalty equal to a loss of 90 days dividends; certificate terms greater than one year are subject to a penalty equal to a loss of 180 days dividends; dividends will be paid prior to imposing the penalty. Please refer to the All-in-One Disclosure at skyone.org/terms-conditions for complete details.

1If our certificate rates go up any time during the original term of your certificate, you may request a one-time rate bump (increase) for the remainder of the original term by notifying SkyOne. The one-time rate increase only applies to certificates with terms of two years or longer.

2APY=Annual Percentage Yield. Minimum deposit to earn the advertised APY is $1,000. Promotional offer valid from 9/13/2023. Promotional offer applies to new share certificates open with funds outside of SkyOne only and is subject to change and end without notice. APY is accurate as of 9/13/2023 and is subject to change without notice. Only one Liquid Share Certificate per member can be open at a time.

Penalty and fee-free daily withdrawal, starting on day 7 after the certificate is opened, of up to 50% of the start of daily balance as of 12:00 am each day at any time during the share term. Withdrawals exceeding 50% of the start of daily balance each day are subject to penalties. Early withdrawals may reduce earnings on the account. Please contact a SkyOne representative for more details.

Additional deposits are permitted at any time prior to maturity. ACH transfers will be accepted for this account.

Membership is required.
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