Credit union · NCUA insured
Skyla Credit Union CD Rates
Top CarrotSkyla Credit Union’s best CD rate is 4.75% APY on a 4-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Skyla Credit Union’s CD rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Skyla Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Skyla Credit Union
4.50%APY
- Term
- 21 months
- Minimum
- $500
- Earns on $10,000
- $801
Regular Certificate Account
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Skyla Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Skyla Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Elite Jumbo Certificate Account
Up to 4.75%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.35% | $435 |
| 24 months | 4.45% | $910 |
| 36 months | 4.50% | $1,412 |
| 48 months | 4.75% | $2,040 |
| 60 months | 4.75% | $2,612 |
Sources (3)
- skylacu.com/bank/savings/certificate-of-deposit
- skylacu.com/rates
- skylacu.com/hubfs/Website/PDFs/TIS.pdf
All captured Oct 15, 2026
Regular Certificate Account
Up to 4.50%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.10% | $410 |
| 18 months | 4.15% | $629 |
| 21 months | 4.50% | $801 |
| 24 months | 4.20% | $858 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.20% | $1,789 |
| 60 months | 4.50% | $2,462 |
Sources (3)
- skylacu.com/bank/savings/certificate-of-deposit
- skylacu.com/rates
- skylacu.com/hubfs/Website/PDFs/TIS.pdf
All captured Oct 15, 2026
Jumbo Certificate Account
Up to 4.35%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.10% | $203 |
| 12 months | 4.20% | $420 |
| 18 months | 4.25% | $644 |
| 24 months | 4.30% | $878 |
| 36 months | 4.35% | $1,363 |
Sources (3)
- skylacu.com/bank/savings/certificate-of-deposit
- skylacu.com/rates
- skylacu.com/hubfs/Website/PDFs/TIS.pdf
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate Account (Traditional and Roth)
Up to 4.50%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.10% | $410 |
| 18 months | 4.15% | $629 |
| 24 months | 4.20% | $858 |
| 36 months | 4.25% | $1,330 |
| 60 months | 4.50% | $2,462 |
Senior Jumbo Certificate Account
4.45%APY · 1 term
For members 50 years and older.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFor members 50 years and older | 4.45% | $675 |
Sources (3)
- skylacu.com/bank/savings/certificate-of-deposit
- skylacu.com/rates
- skylacu.com/hubfs/Website/PDFs/TIS.pdf
All captured Oct 15, 2026
Senior Certificate Account
4.35%APY · 1 term
For members 50 years and older.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFor members 50 years and older | 4.35% | $660 |
Sources (3)
- skylacu.com/bank/savings/certificate-of-deposit
- skylacu.com/rates
- skylacu.com/hubfs/Website/PDFs/TIS.pdf
All captured Oct 15, 2026
Who can join Skyla Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligible to join via partner association, the American Consumer Council (ACC).
Membership information collected October 4, 2026.