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             5.30%
             5.20%
 
All Deposit Products and Deposit Processing Services Offered Through This Site Are Provided By Sky Bank
Product Interest Rates Effective as of
Rates Subject to Change and Are Only Available Through This Site

Account Type

Minimum
Opening Deposit

Minimum Balance
Required To
Earn Interest

Interest Rate

APY

Checking Accounts

Free*

$      N/A

$      N/A

N/A

N/A

Interest**

$      50.00

$25.00 - 49.99

0.01%

0.01%

High Interest

$      50.00

$50.00-499.99

0.50%

0.50%

Premier

$      50.00

$500.00 +

1.00%

1.00%

Money Market Accounts

Interest***

$      200.00

$200.00-1,999.99

0.01%

0.01%

High Interest

$      200.00

$2,000.00-14,999.99

1.98%

2.00%

Premier

$      200.00

$15,000.00-99,999.99

2.08%

2.10%

Jumbo Money Market Account

Jumbo MMA***

$      100,000.00

$      100,000.00 +

3.93%

4.00%

High Yield Money Market Savings

High Yield Interest

$      0.00

$      0.00

3.93%

4.00%

Certificate of Deposit Accounts

3 Month Term

 

Interest

$     8,000.00

$8,000.00-19,999.99

5.13%

5.25%

High Interest

$     20,000.00

$20,000.00-49,999.99

5.13%

5.25%

Premier

$     50,000.00

$50,000.00 +

5.13%

5.25%

3 Month Jumbo CD


Interest

$     100,000.00

$     100,000.00 +

5.18%

5.30%

6 Month Term


Interest

$     8,000.00

$8,000.00-19,999.99

5.13%

5.25%

High Interest

$     20,000.00

$20,000.00-49,999.99

5.13%

5.25%

Premier

$     50,000.00

$50,000.00 +

5.13%

5.25%

6 Month Jumbo CD


Interest

$     100,000.00

$     100,000.00 +

5.18%

5.30%

12 Month Term


Interest

$     8,000.00

$8,000.00-19,999.99

5.13%

5.25%

High Interest

$   20,000.00

$20,000.00-49,999.99

5.13%

5.25%

Premier

$   50,000.00

$50,000.00 +

5.13%

5.25%

12 Month Jumbo CD


Interest

$     100,000.00

$     100,000.00 +

5.18%

5.30%

24 Month Term


Interest

$     8,000.00

$8,000.00-19,999.99

5.03%

5.15%

High Interest

$   20,000.00

$20,000.00-49,999.99

5.03%

5.15%

Premier

$   50,000.00

$50,000.00 +

5.03%

5.15%

24 Month Jumbo CD


Interest

$     100,000.00

$     100,000.00 +

5.08%

5.20%

36 Month Term


Interest

$     8,000.00

$8,000.00-19,999.99

4.94%

5.05%

High Interest

$   20,000.00

$20,000.00-49,999.99

4.94%

5.05%

Premier

$   50,000.00

$50,000.00 +

4.94%

5.05%

36 Month Jumbo CD


Interest

$     100,000.00

$     100,000.00 +

4.98%

5.10%

60 Month Term


Interest

$     8,000.00

$8,000.00-19,999.99

4.94%

5.05%

High Interest

$   20,000.00

$20,000.00-49,999.99

4.94%

5.05%

Premier

$   50,000.00

$50,000.00 +

4.94%

5.05%

60 Month Jumbo CD


Interest

$     100,000.00

$     100,000.00 +

4.98%

5.10%

 
   


*Free checking is non-interest bearing.

**For Interest Checking Accounts with balances below $25.00, the Rate/APY will drop to 0.00%. Interest Checking Accounts will incur a $10.00 monthly service fee if the monthly average balance falls below $25.00.

***For Money Market Accounts with balances below $200.00 the Rate/APY will drop to 0.00%. The Money Market accounts will incur a $10.00 monthly service fee if the monthly average balance falls below $200.00. For Jumbo Money Market accounts with balances below $100,000.00, the Rate/APY will be calculated based on the Money Market Account tiers. The Jumbo MMA will incur the $10 monthly service fee if the monthly average balance falls below $200.00.


Interest Checking and Money Market Savings accounts are variable rate products and rates may change daily without prior notification. Sky uses the daily balance method of computing interest, which applies a daily periodic rate to the full collected amount of principal in the account each day.
 
Certificate of Deposit interest rates are fixed for the term of the account and may change during grace period. The Certificate of Deposit annual percentage yield assumes monthly compounding and that interest remains on deposit until maturity. Interest added to the account is not principal until at which time the account matures. Additional deposits are not allowed unless made in the 7 day grace period after maturity. The accounts will not earn interest during the grace period if a withdrawal is made. A penalty will be imposed for early withdrawal.

Annual Percentage Yield Calculation: APY = 100 {(1+Interest/Principal) (365/Days in term) -1}. For additional rules of accounts, see Terms and Conditions.

 






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All deposit products offered through this Banking Center will be opened through Sky Bank. All deposit products and deposit processing services are provided by Sky Bank. The deposit products are FDIC insured by one of the participating financial institutions, to the full extent of the law.

Sky Bank is not affiliated with nor has any liability for the third party
products and services offered on ELoan, First USA, and Answer Financial.