7 Month Special Certificate

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.