10-Month Flex Certificate
GUARANTEED SAVINGS, FLEXIBLE SPENDING.
Whether it’s an emergency fund or extra cash on hand, make your money earn more while maintaining your cashflow.
High-Yield Savings
Don’t let your money sleep! Bump up your savings with a high, fixed rate for the duration of the term.
Fee-Free Withdrawals
Stay worry-free when the unexpected happens. Access up to 50% of your daily balance starting day 7 with zero fees.1
Top-Up, Drive Wealth
Maximize your earning potential by depositing additional money anytime prior to maturity2
Open a 10-Month Flex Certificate with a $1000 minimum deposit1
It’s Time for You to Flex!
Unlike traditional CDs that make your funds untouchable, we keep things flexible.
10-Month Flex Share Certificate
4.25% APY*
At SkyOne, we understand that life can be unpredictable, so helping your family thrive financially is our top priority.
The10-month Flex Certificate combines the beauty of a low-risk, high-reward investment with easy access to your funds anytime you need it.
- Minimum opening deposit of $1,000 funded through a non-SkyOne Account
- Penalty and fee-free daily withdrawals, starting on day 7, of up to 50% of daily balance1
- Simply call or chat to make additional deposits from non-SkyOne accounts at any time prior to maturity2
- Guaranteed savings – rate is fixed for length of term
- Make saving a habit with auto renew option3
Disclosure
Membership required.
*APY=Annual Percentage Yield. Minimum balance required to open this account and earn the advertised APY is $1,000. APY is accurate as of 08/15/2025 and is subject to change without notice. This offer applies to NEW MONEY only. New money is defined as funds coming from outside of SkyOne. Only one (1) 10-Month Flex certificate per member is allowed.
1Penalty 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 12:00am each day at any time during the share term. Withdrawals that bring the certificate below the $1,000 minimum balance prior to the maturity date will terminate the account, and fees will be assessed based on the withdrawal of anything over 50% of the daily balance. Early withdrawals may reduce earnings on the account and penalties may apply. Fees may also reduce the earnings. Please refer to the Fee Schedule and All in One disclosure for complete details.
2Additional deposits are permitted at any time prior to maturity. ACH transfers will be accepted for this account.
3Automatically Renewable Account: Your Flex Certificate will automatically renew on the maturity date unless you prevent renewal by withdrawing all the funds in the account at maturity or within the grace period of seven (7) calendar days after maturity. The renewal term for this promotional certificate will be the standard 11-month Liquid Certificate term. The dividend rate and annual percentage yield will be the same we offer on new certificates on the maturity date which have the same term, minimum balance (if any) and other features as the Liquid certificate account. If the balance of your certificate is below the required minimum balance in the account at the time of renewal, the certificate will be closed, and the funds placed in your Primary Savings Account.
Federally Insured by NCUA.
