Fixed Rates, For Sure Returns

Renew Your CD Today

Current Rates How to Renew

renew your cd to save even more

If your CD is set to renew in a future month and the new rates aren’t available yet, you can still lock in today’s rate. And if rates go up before your renewal date, we’ll automatically give you the higher rate!

Regular CD Rates

Jumbo CD Rates

Elite Jumbo CD Rates

$500 MIN. DEPOSIT

regular cd rates

Rates as of 10/01/2026

Psst... Don’t see the term you currently have? No problem! When your CD reaches maturity, we’ll automatically renew your 9-month CD into a 12-month CD at the current 12-month rate - unless you select a different term.

Want to choose another option? Simply review the available terms and select what works best for you before your CD matures!

october 2026 rates

6-month: 4.00% APY^*
12-month: 4.10% APY^*
18-month: 4.15% APY^*
21-month: 4.50% APY^*
24-month: 4.20% APY^*
36-month: 4.25% APY^*
48-month: 4.20% APY^*
60-month: 4.50% APY^*
senior 18-month: 4.35% APY^*

november 2026 rates

Renew Online Renew in a Branch

$50,000 MIN. DEPOSIT

jumbo cd rates

Rates as of 10/01/2026

october 2026 rates

6-month: 4.10% APY*
12-month: 4.20% APY*
18-month: 4.25% APY*
24-month: 4.30% APY*
36-month: 4.35% APY*
senior 18-month: 4.45% APY*

november 2026 rates

6-month: 4.10% APY*
12-month: 4.20% APY*
18-month: 4.25% APY*
24-month: 4.30% APY*
36-month: 4.35% APY*
senior 18-month: 4.45% APY*

Renew Online Renew in a Branch

$250,000 MIN. DEPOSIT

elite jumbo cd rates

Rates as of 10/01/2026

october 2026 rates

12-month: 4.35% APY*
24-month: 4.45% APY*
36-month: 4.50% APY*
48-month: 4.75% APY*
60-month: 4.75% APY*

november rates

12-month: 4.35% APY*
24-month: 4.45% APY*
36-month: 4.50% APY*
48-month: 4.75% APY*
60-month: 4.75% APY*

Renew Online Renew in a Branch

a quick how-to

renewing in digital banking

Log in to Digital Banking

Once logged in, find the maturing CD on your dashboard and select "Review Maturity Details"

select "auto-renew"

To renew for the same term, select "Auto-Renew" in the dropdown menu.

Want to pick a new term? Send us a secure message in Digital Banking or give us a call at 704.375.0183.

Renew My CD

renewing in a branch

find a location near you

HAVE A QUESTION?

charlotte, nc region

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HAVE A QUESTION?

Send an Email:
branchoperations@skylacu.com

Give Us a Call:
P: 704.375.0183

Call Center Hours:
M – F 8am – 8pm
SAT 9am – 5pm
(hours in EST)

ashley branch