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Certificates

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Embrace the accomplishment of saving big with a reliable investing tool.

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  • Start with as little as $1,000

    A Share Certificate from SkyOne is a safe and painless way to invest. Your funds are federally insured up to $250,000, and your rate of return is 100% guaranteed.

    • Rates as high as 2.55% APY*
    • Plenty of term and deposit options
    • Easy management with online and mobile banking

    Get an even higher rate

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

    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.

  • Rates

    Rates

    Certificate Rates

    Rates Effective as of: 08-20-2019

    Amount6 Months 1 Year2 Years^3 Years^4 Years^5 Years^
    $1,000 - $9,999 1.30% APY* 1.90% APY* 2.25% APY* 2.35% APY* 2.40% APY* 2.40% APY*
    $10,000 - $99,999 1.35% APY* 1.95% APY* 2.30% APY* 2.40% APY* 2.45% APY* 2.45% APY*
    $100,000 + 1.45% APY* 2.05% APY* 2.40% APY* 2.50% APY* 2.55% APY* 2.55% APY*

     

  • Frequently Asked Questions

Open within online banking

You can open your share certificate within online banking. Simply choose the "apply online" option.

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Questions? Talk to an expert. 800.421.7111

Disclosures

*APY= Annual Percentage Yield – APY on certificates assumes quarterly compounding. APY is slightly less for terms less than 12 months. A $1,000 minimum balance and minimum amount to open the certificate is required, starting at a six-month term. To earn 2.55% APY*, the Certificate must have a minimum of five years term and a minimum balance of $100,000 or more. Dividend rate will remain the same until end of your term (even if balance exceeds the maximum amount in your current tier level). Rates are effective as of 08-01-2019, and are subject to change. Early withdrawal penalties apply. 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. Fees may reduce earnings on the account.

**If 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. 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. Terms for certificates will be limited to 60 months.