Certificates
Save responsibly
Embrace the accomplishment of saving big with a reliable investing tool.
Open Now-
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 0.80% 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.
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Rates
Rates
Certificate Rates
Rates Effective as of: 05-13-2024
Amount 6 Months 1 Year 2 Years^ 3 Years^ 4 Years^ 5 Years^ $1,000 - $9,999 0.30% APY* 0.40% APY* 0.50% APY* 0.60% APY* 0.70% APY* 0.80% APY* $10,000 - $99,999 0.30% APY* 0.40% APY* 0.50% APY* 0.60% APY* 0.70% APY* 0.80% APY* $100,000 + 0.30% APY* 0.40% APY* 0.50% APY* 0.60% APY* 0.70% APY* 0.80% APY* -
FAQs
Frequently Asked Questions
Open within online banking
You can open your share certificates within online banking. Simply choose the "apply online" option.
Open NowQuestions? 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 0.80% 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 10-13-2020, 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.
