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 12-60 months.
Certificate rates
| Term1 | Rate* | APY** |
|---|---|---|
| 6 Month (CD Only) | 4.12% | 4.20% |
| 12 Month | 3.69% | 3.75% |
| 24 Month | 3.64% | 3.70% |
| 36 Month | 3.25% | 3.30% |
| 48 Month | 3.11% | 3.15% |
| 60 Month | 3.15% | 3.20% |
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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 09/13/25.
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 5/1/2024. Minimum deposit is $1,000. New money only. This certificate will renew at a 12-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.
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