10 Month Flex Certificate

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.