Certificates
Who ever said investing is complicated? SkyPoint Share Certificates make it simple.
Open now
Low minimum balance
Open your Certificate with as little as $1,000.
No monthly service charge
Let your savings build without fees.
Pick a term
Terms offered between 6-60 months.
Certificate rates
| Term1 | Rate* | APY** |
|---|---|---|
| 6 Month2 | 3.44% | 3.50% |
| 12 Month | 3.68% | 3.75% |
| 24 Month | 3.54% | 3.60% |
| 36 Month | 3.54% | 3.60% |
| 48 Month | 3.54% | 3.60% |
| 60 Month | 3.54% | 3.60% |
Get started today
Open your Certificate account in minutes!
* Rate = Dividend Rate
** APY = Annual Percentage Yield. Rates are subject to change at any time without notice. The stated APY is accurate as of 12/21/25. Fees may reduce earnings.
¹ Minimum deposit is $1,000. Substantial penalty may apply for early withdrawal. Dividends are paid monthly. Contact the credit union for complete details.
2 APY=Annual Percentage Yield. Rates are subject to change at any time without notice. The stated APY is accurate as of 12/21/25. Minimum deposit is $1,000. This certificate will renew at a 6-month term unless otherwise asked for by the party holding the certificate. IRA certificates are not eligible. Early withdrawal penalties apply. Dividends are paid monthly. Contact the credit union for complete details.
3 APY=Annual Percentage Yield. Rates are subject to change at any time without notice. The stated APY is accurate as of 12/21/25. Minimum deposit is $1,000. This certificate will renew at a six (6) month term unless otherwise asked for by the party holding the certificate. IRA certificates are not eligible. Early withdrawal penalties apply. Dividends are paid monthly. New Money Requirement: This promotional CD rate is available for new funds only. New funds are defined as deposits not currently held by SkyPoint Federal Credit Union. Funds transferred from existing SkyPoint Federal Credit Union accounts, including maturing certificates of deposit, are not eligible. Contact the credit union for complete details.
Resources to Help Guide You Through Life
~
Many Americans are Stressed About Money, 6 Ways to Cope
How Tariffs Could Mess With Your Pumpkin Spice
