Last Updated: 01/15/2026
SkyOne CD Accounts
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Last Updated: 01/15/2026
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Highlights
APY (Annual Percentage Yield)
Up to 4.40%(Verified 12/23/2024)
Minimum Opening Deposit
Starting at $1
Certificate Term
- 3 months
- 5 months
- 12 months
SkyOne CD Accounts Review
SkyOne CD Accounts are offered by SkyOne Federal Credit Union, a credit union founded in 1949 and based in , CA. SkyOne CD Accounts are available in 50 states and Washington, DC.
Key Takeaways
- Small selection of CD account types. SkyOne CD Accounts only offers liquid and traditional CDs.
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 4.40%, which is much higher than the national average for a CD account.
- Small minimum initial deposit. You only need $1 to open an account.
- Limited selection of CD terms. SkyOne CD Accounts only offers three CD terms. This limits your options when trying to set up a CD ladder.
Pros & Cons of SkyOne CD Accounts
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SkyOne CD Accounts FAQ
Are CD from SkyOne Federal Credit Union federally insured?
No, your SkyOne Federal Credit Union CD accounts are not insured by a federal insurance agency. This means that if SkyOne Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What types of CDs does SkyOne Federal Credit Union offer?
SkyOne CD Accounts provides the following types of CDs.- Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
- liquid CDs. Liquid CDs, often called risk-free or breakable CDs, are a type of no-penalty CD that allows you to take out your money before the CD matures without paying a penalty.
What rates does SkyOne Federal Credit Union offer on its CDs?
What terms does SkyOne CD Accounts offer?
SkyOne Federal Credit Union offers CD terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Month APY | 3.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12-Month APY | 4.40% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | Up to 4.40% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Year APY | 4.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4-Year APY | 4.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5-month APY | 4.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1-Month APY | 4.40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a CD account with SkyOne Federal Credit Union?
SkyOne CD Accounts require a minimum deposit of $1 to open an account.
What is the grace period for SkyOne CD Accounts?
SkyOne CD Accounts does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does SkyOne Federal Credit Union charge?
Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.
SkyOne Federal Credit Union charges an early withdrawal fee.
SkyOne Federal Credit Union does charge any of the fees we track.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed