CD Accounts
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Last Updated: 05/14/2026
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Highlights
APY (Annual Percentage Yield)
3.90%(Verified 01/15/2026)
Minimum Opening Deposit
Starting at $1
Certificate Term
12 months
SkyOne FCU 12 Month No Penalty CD Review
SkyOne FCU 12 Month No Penalty CD are offered by SkyOne Federal Credit Union, a credit union founded in 1949 and based in , CA. SkyOne FCU 12 Month No Penalty CD are available in 50 states,Puerto Rico, and Washington, DC.
Key Takeaways
- Only one CD type available. SkyOne FCU 12 Month No Penalty CD only offers traditional CD accounts.
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 3.90%, 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 FCU 12 Month No Penalty CD only offers one CD term. This limits your options when trying to set up a CD ladder.
Pros & Cons of SkyOne FCU 12 Month No Penalty CD
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SkyOne FCU 12 Month No Penalty CD 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 FCU 12 Month No Penalty CD 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.
What rates does SkyOne Federal Credit Union offer on its CDs?
The CD rates for this account have an APY of3.90% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1.6% APY for 12-month CDs.
What terms does SkyOne FCU 12 Month No Penalty CD offer?
SkyOne Federal Credit Union offers CD terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12-Month APY | 3.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 3.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a CD account with SkyOne Federal Credit Union?
SkyOne FCU 12 Month No Penalty CD require a minimum deposit of $1 to open an account.
What is the grace period for SkyOne FCU 12 Month No Penalty CD?
SkyOne FCU 12 Month No Penalty CD 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 does not charge an early withdrawal fee.
SkyOne Federal Credit Union does charge any of the fees we track.
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Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
Other Services by SkyOne Federal Credit Union
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APY (Annual Percentage Yield)
Up to 4.40%
Minimum Opening Deposit
Starting at $1
Certificate Term
- 3 months
- 5 months
- 12 months
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