Start with as little as $1,000
Share Certificates from SkyOne are 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 2.60% 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.^
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 Effective as of: 11-26-2022
Amount 6 Months 1 Year 2 Years^ 3 Years^ 4 Years^ 5 Years^ $1,000 - $9,999 1.00% APY* 2.00% APY* 2.20% APY* 2.30% APY* 2.40% APY* 2.60% APY* $10,000 - $99,999 1.00% APY* 2.00% APY* 2.20% APY* 2.30% APY* 2.40% APY* 2.60% APY* $100,000 + 1.00% APY* 2.00% APY* 2.20% APY* 2.30% APY* 2.40% APY* 2.60% APY*
Certificate Account: *APY= Annual Percentage Yield – APY on certificates assumes quarterly compounding. APY is slightly less for terms of less than 12 months. A $1,000 minimum balance and the minimum amount to open the Certificate is required, starting at a six-month term. The dividend rate will remain the same until the end of your term (even if balance exceeds the maximum amount in your current tier level). The maximum terms for certificates will be limited to 60 months. Rates are subject to change. Early withdrawal penalties apply.
In the event of 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.