{"id":39,"date":"2021-04-26T14:40:20","date_gmt":"2021-04-26T14:40:20","guid":{"rendered":"https:\/\/www.skypointfcu.com\/wph\/workarearoot\/invest-protect\/invest\/certificates"},"modified":"2025-12-17T17:37:13","modified_gmt":"2025-12-17T21:37:13","slug":"certificates","status":"publish","type":"page","link":"https:\/\/www.skypointfcu.com\/wph\/workarea\/invest-protect\/invest\/certificates\/","title":{"rendered":"Certificates"},"content":{"rendered":"

Certificates<\/h1>

Who ever said investing is complicated? SkyPoint Share Certificates make it simple.<\/h4>Open now<\/a><\/div>
\"couple<\/figure><\/div><\/div><\/div><\/div>\n\n
\n
\"couple<\/figure><\/div>

Low minimum balance<\/h2>\n\n

Open your Certificate with as little as $1,000.<\/p>\n\n<\/div><\/div><\/div><\/div>\n\n

\"couple<\/figure><\/div>

No monthly service charge<\/h2>\n\n

Let your savings build without fees.<\/p>\n\n<\/div><\/div><\/div><\/div>\n\n

\"man<\/figure><\/div>

Pick a term<\/h2>\n\n

Terms offered between 6-60 months.<\/p>\n\n<\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n

Certificate rates<\/h2>
\n

\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t
Term1<\/sup><\/th>Rate*<\/th>APY**<\/th>\n<\/tr>\n<\/thead>\n
6 Month2<\/sup><\/td>3.44%<\/td>3.50%<\/td>\n<\/tr>\n
12 Month<\/td>3.68%<\/td>3.75%<\/td>\n<\/tr>\n
24 Month<\/td>3.54%<\/td>3.60%<\/td>\n<\/tr>\n
36 Month<\/td>3.54%<\/td>3.60%<\/td>\n<\/tr>\n
48 Month<\/td>3.54%<\/td>3.60%<\/td>\n<\/tr>\n
60 Month<\/td>3.54%<\/td>3.60%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n\n<\/div>
<\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n\n

7-month Certificate special<\/h2>
\n

\n\n\n\n\t\n\n\t
Term1<\/sup><\/th>Rate*<\/th>APY**<\/th>\n<\/tr>\n<\/thead>\n
7-month3<\/sup><\/td>3.93%<\/td>4.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n\n<\/div>
Learn more<\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n\n

Get started today<\/h2>

Open your Certificate account in minutes!<\/p><\/div><\/div>

Open now<\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n

<\/p>\n\n\n\n

* Rate = Dividend Rate<\/p>\n\n\n\n

** APY = Annual Percentage Yield. Rates are subject to change at any time without notice. The stated APY is accurate as of 04\/11\/26. Fees may reduce earnings.<\/p>\n\n\n\n

\u00b9 Minimum deposit is $1,000. Substantial penalty may apply for early withdrawal. Dividends are paid monthly. Contact the credit union for complete details.<\/p>\n\n\n\n

2<\/sup> APY=Annual Percentage Yield. Rates are subject to change at any time without notice. The stated APY is accurate as of 04\/11\/26. 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.<\/p>\n\n\n\n

3 <\/sup>APY=Annual Percentage Yield. Rates are subject to change at any time without notice. The stated APY is accurate as of 04\/11\/26. 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:<\/strong> 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.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"* Rate = Dividend Rate ** APY = Annual Percentage Yield. Rates are subject to change at any time without notice. The stated APY is accurate as of . Fees may reduce earnings. \u00b9 Minimum deposit is $1,000. Substantial penalty may apply for early withdrawal. Dividends are paid monthly. Contact the credit union for complete […]","protected":false},"author":1,"featured_media":0,"parent":38,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template_back.php","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","attr_excerpt":[],"footnotes":""},"class_list":["post-39","page","type-page","status-publish","hentry"],"yoast_head":"\nCertificates - SkyPoint Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Certificates - SkyPoint Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"* Rate = Dividend Rate ** APY = Annual Percentage Yield. Rates are subject to change at any time without notice. The stated APY is accurate as of . Fees may reduce earnings. \u00b9 Minimum deposit is $1,000. 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