SHARE CERTIFICATES
Save smart. Grow strong.
Flexible terms and liquidity options for families planning for today—and tomorrow.
Certificate Specials
NEW 7 MONTH SPECIAL CERTIFICATE
4.15% APY*
Our highest special rate. Our shortest term.
Lock in a guaranteed rate for just 7 months — big earnings without the long wait.
- 4.15% APY fixed for the entire 7-month term
- Dividends compounded and credited quarterly
- Keep the momentum going— automatically renews into a 6 Month Certificate at maturity
10 MONTH FLEX CERTIFICATE
4.00% APY*
Need flexibility? Flex it.
Bump up your savings with a high fixed rate with room to breathe when life happens.
- Fee-Free Withdrawals
- Stay worry-free when the unexpected happens. Access up to 50% of your daily balance starting day 7 with zero fees1
- Maximize your earning potential by depositing additional money at anytime prior to maturity of the share certificate2
Calculate your savings
| Month | Start | Interest | End |
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Lock-in your savings
Nothing is left to guess when you invest in a Share Certificate. As long as you don’t withdraw your funds, you’ll get your earned dividends upon maturity at the onset of your investment.
Certificate Rates
Rates effective as of
| 7 Month Special | 4.15% |
| 10 Month Flex | 4.00% |
| 11 Month Liquid | 3.10% |
| 6 Months | 3.50% |
| 1 Year | 3.50% |
| 2 Years | 3.50% |
| 3 Years | 3.50% |
| 4 Years | 3.50% |
| 5 Years | 3.50% |
Certificates Disclosure:
Certificates Disclosure: Membership required. APY=Annual Percentage Yield. Minimum balance to open and earn the advertised APY is $1,000. Dividends are compounded and credited quarterly. Certificates automatically renew at maturity for the same or closest available term and the dividend rate and APY in effect at the time of renewal, unless you make changes during the seven (7) day grace period. Early withdrawal penalties may apply. Certificates with terms of six (6) months through one (1) year are subject to a penalty equal to 90 days’ dividends. Certificates with terms greater than one (1) year are subject to a penalty equal to 180 days’ dividends. Penalties may reduce principal. Certificates with original terms of 24 months or longer are eligible for a one-time rate increase during the original term if SkyOne’s Certificate rates increase. See the All-In-One Disclosure and Fee Schedule for complete terms and conditions.
7-Month Special Share Certificate Disclosure:
Membership required. *APY = Annual Percentage Yield. APY is subject to change without notice. Minimum balance to open and earn the advertised APY is $1,000. This offer applies to NEW MONEY only. Dividends are compounded and credited quarterly. Certificates automatically renew at maturity for the same or closest available term and the dividend rate and APY in effect at the time of renewal, unless you make changes during the seven (7) day grace period. Early withdrawal penalties may apply. Certificates with terms of six (6) months through one (1) year are subject to a penalty equal to 90 days’ dividends. Certificates with terms greater than one (1) year are subject to a penalty equal to 180 days’ dividends. Penalties may reduce principal. Certificates with original terms of 24 months or longer are eligible for a one-time rate increase during the original term if SkyOne’s Certificate rates increase. See the All-In-One Disclosure and Fee Schedule for complete terms and conditions.
10-Month Flex Share Certificate:
Membership required. APY = Annual Percentage Yield. Minimum balance required to open this account and earn the advertised APY is $1,000. APY 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.
Penalty 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.
Additional deposits are permitted at any time prior to maturity. ACH transfers will be accepted for this account.
Automatically 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 are placed in your Primary Savings Account.
11-Month Liquid Share Certificate:
APY=Annual Percentage Yield. Minimum deposit to earn the advertised APY is $1,000. APY is accurate as of 10/28/2025 and is subject to change without notice. Only one Liquid Share Certificate per member can be open at a time.
Penalty 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 12:00 PT am each day at any time during the share term. Withdrawals exceeding 50% of the start of daily balance each day are subject to penalties. Early withdrawals may reduce earnings on the account and penalties may apply. Fees may also reduce earnings. Please refer to the Fee Schedule and All in One Disclosure for complete details.
Additional deposits are permitted at any time prior to maturity. ACH transfers will be accepted for this account.
Tools and Calculators Disclosure:
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