Wealth Builder Shares

Our Wealth Builder Accounts have been specifically designed to help you save progressively to reach goals and put your savings to work for you.  You will foster good savings habits knowing that you are earning a higher rate than on a conventional savings account.

WealthBuilder 1Up.indd

Open a Wealth Builder Shares Account and agree to deposit at least $25 per month into the account.  You’ll be amazed how quickly those deposits add up, plus that money is also earning monthly dividends!

With as little as $25, you can open this account. You have several convenient options to make your deposits – in person, by mail, or you can take advantage of direct deposit, payroll deduction, or automatic transfer between your Sky FCU accounts.  Just remember you must deposit $25 each month.  If it is more convenient for you, you can also make several smaller deposits during the month, but the monthly deposits into the account must total at least $25.

If you miss making the required monthly deposit, you will be assessed a monthly fee.  If you withdraw any amount from the account you will be assessed a withdrawal fee.  Remember, this account is designed to give you that needed extra boost to save to reach your goals so it can only be viewed online.   Withdrawals and transfers can be made by phone or in person.  Once you have reached your goal, you can transfer the amount to a high-rate Wealth Builder Certificate ($500 minimum balance required) without incurring any fees or penalties.

We realize this account is not for everyone.  However, it may be just the boost you need!  This investment strategy IS for you if:

  • You find it difficult to keep your budget on track and wish to foster better savings habits
  • You wish to save some money to realize a special project
  • You are seeking simple and efficient solutions to save money

For a more aggressive option, you may be interested in our Sky High Wealth Builder Plus.  This account requires $2,500 to open, a minimum $100 monthly deposit by automatic transfer, and an active Sky FCU Share Draft Account with a recurring ACH deposit.  But you are rewarded with a higher dividend rate and allowed three withdrawals per month!

For all associated fees with these accounts, please refer to our Cost Recovery Schedule Disclosure.

WealthBuilder 1Up.inddWealthBuilder 1Up.inddWealthBuilder 1Up.inddWealthBuilder 1Up.inddWealthBuilder 1Up.indd

WealthBuilder 1Up.indd


Wealth Builder Shares Account:

  • $25 minimum to open
  • $25 minimum monthly deposit
  • Earns higher dividends than regular shares

When at least $500 is reached and the account has been receiving the required monthly deposits, funds may be withdrawn penalty free to open a high yielding Wealth Builder Certificate.


Wealth Builder Certificate

  • $500 minimum to open certificate
  • Great rate with 1 year term
  • Funded by Wealth Builder Shares only
  • Funds can be added (minimum $500) from Wealth Builder Shares at any time during term
  • Penalty for early withdrawal


Sky High Wealth Builder Plus

  • $2,500 minimum to open
  • $100 minimum monthly deposit by auto transfer required
  • Active Sky FCU Share Draft Account with recurring ACH deposit required
  • Three withdrawals allowed per month
  • High dividend rate


Call a Financial Services Representative at (800) 445-3328 today to discuss your options and find the account that best fits your needs.

Federally Insured by NCUA