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IRA/Certificate Rates
Dividend Rates
and Annual Percentage Yields are accurate as of March 9, 2010 and
are subject to change without notice. See the Schedule
of Service Charges, All-In-One
Account Disclosure, or Contact
a Sales Associate for more information.
Rates are
good on Regular Certificates, Traditional IRA, IRA Roth and Coverdell
IRA Certificates. If a Certificate exceeds the maximum amount subject to
dividends within any category, the rate will not change until
maturity date. Fees
could reduce earnings on your account.
$
500 -
$ 4,999 |
6 -
11 Months† |
12 - 18 Months† |
19
- 23 Months |
24
- 35 Months^ |
36
+ Months^ |
| Dividend Rate |
0.95% |
1.38% |
1.38% |
1.75% |
2.12% |
| APY* |
0.95% |
1.39% |
1.39% |
1.76% |
2.14% |
| |
$
5,000 -
$ 9,999 |
6 - 11 Months† |
12 - 18 Months† |
19 - 23 Months |
24 - 35 Months^ |
36 + Months^ |
| Dividend
Rate |
1.00% |
1.43% |
1.43% |
1.80% |
2.17% |
| APY* |
1.00% |
1.44% |
1.44% |
1.81% |
2.19% |
| |
$
10,000 -
$ 24,999 |
6 - 11 Months† |
12 - 18 Months† |
19 - 23 Months |
24 - 35 Months^ |
36 + Months^ |
| Dividend Rate |
1.05% |
1.48% |
1.48% |
1.85% |
2.22% |
| APY* |
1.05% |
1.49% |
1.49% |
1.86% |
2.24% |
| |
$
25,000 -
$ 49,999 |
6 - 11 Months† |
12 - 18 Months† |
19 - 23 Months |
24 - 35 Months^ |
36 + Months^ |
| Dividend Rate |
1.10% |
1.53% |
1.53% |
1.90% |
2.27% |
| APY* |
1.10% |
1.54% |
1.54% |
1.91% |
2.29% |
| |
$
50,000 -
$ 99,999 |
6 - 11 Months† |
12 - 18 Months† |
19 - 23 Months |
24 - 35 Months^ |
36 + Months^ |
| Dividend Rate |
1.15% |
1.58% |
1.58% |
1.95% |
2.32% |
| APY* |
1.15% |
1.59% |
1.59% |
1.96% |
2.34% |
| |
| $
100,000 + |
6 - 11 Months† |
12 - 18 Months† |
19 - 23 Months |
24 - 35 Months^ |
36 + Months^ |
| Dividend Rate |
1.19% |
1.63% |
1.63% |
1.99% |
2.37% |
| APY* |
1.20% |
1.64% |
1.64% |
2.01% |
2.39% |
*APY = Annual Percentage Yield - Applicable only if account is
subject to compounding of dividends. APY is slightly less for
terms of less than 12 months.
†Certificates from 6- to 18-month terms are available as "Add-On" Certificates.
^If our certificate rates go up any time during the original term of your certificate, you may request a one-time bump-up rate for the remainder of the original term by notifying SkyOne. The bump-up rate only applies to certificates with terms of 24 months or longer, opened after Oct. 1, 2006.
Accounts are federally insured,
per member, up to $250,000 by the National Credit Union Administration.
Additional insurance of $250,000 is provided by American Share
Insurance, a private insurance company. In addition, all IRA
accounts are SEPARATELY insured up to $500,000 per member.
You may elect to have non-IRA certificate dividends posted monthly
and immediately transferred to a Savings or Checking account
of your choice. If you so elect, your APY will never exceed
the Dividend Rate due to monthly posting and transferring.
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