SkyOne FCU Certificates: Flexible High-Yield Options Up to 4.15% APY
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SkyOne FCU Certificates: Flexible High-Yield Options Up to 4.15% APY
Through Raisin, SkyOne Federal Credit Union offers a range of high-yield certificates (CDs) with terms from 1 month to 48 months.
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SkyOne FCU Certificates: Flexi...
What is SkyOne FCU Certificates (CDs)?
Certificates of Deposit (CDs) at SkyOne Federal Credit Union offer guaranteed returns for a set period of time.
Whether you want ultra-short-term growth or longer-term savings with higher yields, SkyOne’s CD lineup gives you choices. Plus, the 12-month no-penalty CD lets you withdraw early without fees, offering peace of mind with flexibility.
| Term | APY | Minimum Deposit | Penalty | Action |
|---|---|---|---|---|
| 1 Month | 4.10% | $1 | Yes | Visit Raisin |
| 3 Months | 4.15% | $1 | Yes | Visit Raisin |
| 12 Months | 4.10% | $1 | Yes | Visit Raisin |
| 48 Months | 4.15% | $1 | Yes | Visit Raisin |
| 12 Months (No-Penalty) | 3.90% | $1 | No | Visit Raisin |
How It Works
With rates up to 4.15% APY and a no-penalty 12-month option, you can lock in safe returns that fit your savings goals—all backed by NCUA insurance.
- Open Online: Apply through Raisin in minutes.
- Choose Your Term: Pick from 1, 3, 12, or 48 months—or the flexible 12-month no-penalty option.
- Deposit Funds: Start with as little as $1.
- Earn Guaranteed Returns: Interest accrues daily and is credited monthly.
- Access at Maturity (or sooner with no-penalty): Withdraw when the CD matures—or early with the no-penalty CD.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| High APYs | Earn strong returns higher than most savings accounts. |
| Flexible Terms | Choose from 1, 3, 12, or 48 months to match your savings timeline. |
| No-Penalty Option | Withdraw early from the 12-month no-penalty CD without fees. |
| Low Minimum | Get started with just $1 via Raisin. |
| Daily Compounding | Interest is calculated daily and credited monthly for faster growth. |
| NCUA Insured | Deposits are federally insured up to $250,000 per depositor. |
Who Is It For?
- Savers who want guaranteed, fixed-rate returns
- Those looking for short-term or long-term savings options
- Anyone who values flexibility with the no-penalty CD
Pricing & Fees
- Minimum Deposit: $1
- Monthly Fees: None
- Early Withdrawal Penalty: Applies to standard CDs; waived on the no-penalty 12-month CD
Trust & Security
- Offered by SkyOne Federal Credit Union, serving members since 1949
- NCUA insured up to $250,000 per depositor
- Managed securely through Raisin’s online platform
SkyOne FCU Certificates FAQs
Which SkyOne CD offers the highest rate?
The 3-month and 48-month CDs currently offer the highest yield at 4.15% APY.
What is the no-penalty CD?
The 12-month no-penalty CD earns 3.90% APY and allows you to withdraw funds early without fees.
Is there really only a $1 minimum?
Yes. Through Raisin, you can open any SkyOne certificate with just $1 to start.
Are my deposits safe?
Yes. All accounts are federally insured by the NCUA up to $250,000 per depositor.
Start Growing with SkyOne Certificates
Lock in guaranteed rates up to 4.15% APY with SkyOne Federal Credit Union’s high-yield certificates through Raisin.
| Account Types | Individual |
|---|---|
| Minimum Deposit | $1–$99 |
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