Credit union · NCUA insured
SkyOne Federal Credit Union CD Rates
Top CarrotSkyOne Federal Credit Union’s best CD rate is 4.15% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How SkyOne Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where SkyOne Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SkyOne Federal Credit Union
4.15%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $240
7-Month Special Share Certificate
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
SkyOne Federal Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.15%
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 SkyOne Federal 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.
7-Month Special Share Certificate
4.15%APY · 1 term
Membership required. Open with new money only (funds from outside SkyOne). Compounded and credited quarterly. Renews automatically into a 6-month certificate at maturity unless changed during 7-day grace period. Early withdrawal penalty equal to 90 days' dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsApplies to new money only. Minimum deposit/balance to open and earn advertised APY is $1,000 | 4.15% | $240 |
Sources (3)
- skyone.org/7-month-certificate
- skyone.org/certificates
- skyone.org/disclosure/7-month-special-certificate
All captured Oct 16, 2026
10-Month Flex Share Certificate
4.00%APY · 1 term
Membership required. Limit one 10-Month Flex certificate per member. Requires new money from outside SkyOne. Starting day 7, allows penalty-free and fee-free daily withdrawals of up to 50% of start of daily balance as of 12:00 AM; withdrawals bringing balance below $1,000 terminate the account. Additional deposits permitted anytime prior to maturity. Renews automatically into standard 11-month Liquid Certificate at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsNew money only. Minimum opening balance and minimum balance to earn advertised APY is $1,000 | 4.00% | $332 |
Sources (2)
All captured Oct 16, 2026
Share Certificate
3.50%APY · 6 terms
Membership required. Dividends compounded and credited quarterly. Automatically renews at maturity for the same or closest available term and dividend rate/APY in effect at renewal, unless changed during 7-day grace period. Early withdrawal penalty: terms 6 months through 1 year subject to 90 days' dividends; terms greater than 1 year subject to 180 days' dividends. Original terms 24 months or longer are eligible for a one-time rate increase during the original term if certificate rates increase.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance to open and earn advertised APY is $1,000 | 3.50% | $173 |
| 12 monthsMinimum balance to open and earn advertised APY is $1,000 | 3.50% | $350 |
| 24 monthsMinimum balance to open and earn advertised APY is $1,000. Eligible for a one-time rate bump if rates increase | 3.50% | $712 |
| 36 monthsMinimum balance to open and earn advertised APY is $1,000. Eligible for a one-time rate bump if rates increase | 3.50% | $1,087 |
| 48 monthsMinimum balance to open and earn advertised APY is $1,000. Eligible for a one-time rate bump if rates increase | 3.50% | $1,475 |
| 60 monthsMinimum balance to open and earn advertised APY is $1,000. Eligible for a one-time rate bump if rates increase | 3.50% | $1,877 |
Sources (1)
- skyone.org/certificates · captured Oct 16, 2026
11-Month Liquid Share Certificate
3.10%APY · 1 term
Limit one Liquid Share Certificate per member. Penalty and fee-free daily withdrawal starting on day 7 of up to 50% of start of daily balance as of 12:00 AM PT; withdrawals exceeding 50% subject to penalties. Additional deposits permitted anytime prior to maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsMinimum deposit to earn advertised APY is $1,000 | 3.10% | $284 |
Sources (2)
All captured Oct 16, 2026
Who can join SkyOne Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Aviation professionals, including those from CAA/FAA, TSA, air cargo, and airline industries.
Membership information collected October 5, 2026.