|Bump Up Your Rates||Add On to Your Savings||Alert Me|
|Don't feel left out if rates rise.||Put more into your nest egg at no charge.|
|If our rates increase, simply give us a call to request a one-time rate bump for the remainder of your certificate term.||Add any amount to your certificate, for as many times as you like.|
|Available on certificates with terms of 24 months or longer.||Available on certificates with terms up to 23 months.*|
|*Dividend rate will remain the same until end of your term (even if balance exceeds the maximum amount in your current tier level).|
Rates Effective 12-17-2017
Certificates and IRA Rates
|Amount||6 Months†||1 Year†||2 Years^||3 Years^||4 Years^||5 Years^||Alert Me|
|$500 - $4,999||0.55% APY*||0.85% APY*||0.91% APY*||1.19% APY*||1.39% APY*||1.75% APY*|
|$5,000 - $9,999||0.55% APY*||0.85% APY*||0.96% APY*||1.24% APY*||1.44% APY*||1.80% APY*|
|$10,000 - $24,999||0.55% APY*||0.90% APY*||1.06% APY*||1.29% APY*||1.49% APY*||1.85% APY*|
|$25,000 - $49,999||0.55% APY*||0.90% APY*||1.11% APY*||1.34% APY*||1.54% APY*||1.90% APY*|
|$50,000 - $99,999||0.60% APY*||0.95% APY*||1.16% APY*||1.39% APY*||1.59% APY*||1.95% APY*|
|$100,000 +||0.65% APY*||1.00% APY*||1.21% APY*||1.44% APY*||1.64% APY*||2.00% APY*|
|*APY = Annual Percentage Yield - APY on certificates assumes quarterly compounding. APY is slightly less for terms less than 12 months. Dividend rate will remain the same until end of your term (even if balance exceeds the maximum amount in your current tier level).
†You can "add on" to the principal of your certificate. This Add-On feature is available for certificates with terms from 6 to 23 months. 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.
^If our certificate rates go up any time during the original term of your certificate, you may request a one-time bump-up rate for the remainder of the original term by notifying SkyOne. The bump-up rate only applies to certificates with terms of 24 months or longer.
Accounts are federally insured, per member, up to $250,000 by the National Credit Union Administration. In addition, all IRA accounts are SEPARATELY insured up to $250,000 per member.
You may elect to have non-IRA certificate dividends posted monthly and immediately transferred to a Savings or Checking account of your choice. If you so elect, your APY will never exceed the Dividend Rate due to monthly posting and transferring.
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