Rates – Certificates

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.

Please refer to the Fee Schedule and All in One Disclosure for complete details.