Rates – Savings

Basic Savings Disclosure:

*APY = Annual Percentage Yield. Rates are effective as of the last dividend declaration date. The rate is variable and may change after the account is opened. You must maintain a minimum average daily balance of $500.00 in your account to obtain the disclosed annual percentage yield. Dividends posted and compounded monthly. Fees may reduce earnings. Please refer to the Fee Schedule and All in One Disclosure for complete details.

Sky-High Savings Disclosure:

*APY= Annual Percentage Yield. SkyOne rates and terms are accurate as of [current_date] and are subject to change after the account is opened without notice. Comparison bank rates accurate as of June 1st, 2022. Compounding and crediting: Dividends will be compounded every month. Dividends will be credited to your account on the last day of each month. Dividend period: For this account type, the dividend period is monthly. For example, if the beginning date of the first dividend period of the calendar year is January 1, the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above, is January 31. If you close your account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: The minimum balance required to open this account is $1.00. This account offers a set dividend rate of 1.00% with an Annual Percentage Yield (APY) of 1.00%. Dividends will be paid to the Sky-high Savings Account at a 1.00% rate with an APY of 1.00% provided a deposit of $1,000 or more is posted to your account each month. The deposit can be posted to any share account (suffix) within the same account to obtain the disclosed APY. There are no restrictions on the type of deposit method; direct deposit, remote check deposit, external transfers, ACH, etc. are accepted to fund your account each month. During the month, if there is no deposit of $1,000 or more credited to the account, the dividend rate and APY will default to the Regular Savings Account APY and APY disclosed on the current rate sheet. Average daily balance computation method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly dividend period. Fees may reduce earnings on the account. Savings and Money Market accounts have a maximum of six withdrawals or outgoing transfers per month. Refer to the Fee Schedule and All in One Disclosure for complete details.

**No-surcharge fee for SkyOne and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/operators may assess a fee.

Perk Central:

Perk Central: Perk Central, a special savings account, will automatically be opened with QuickPay beginning September 22, 2025. No minimum balance is required to open this account. Rates are tiered based on the amount of cumulative monthly direct deposits made to the account.

Member in Good Standing: You must be a member in good standing to enroll in Paycheck Perks (no loans delinquent > 30 days, no charged‑off loans/shares, no ChexSystems records, etc.). See Member Conduct and Limitation of Services Disclosure for full details. Fees may reduce earnings. Refer to the Fee Schedule and All‑in‑One Disclosure for complete information.

APY=Annual Percentage Yield. The 4.00% APY is an introductory rate available on new QuickPay and Perk Central accounts and applies to the Perk Central Account. Rates and terms are accurate as of 04/01/2026 and are subject to change after account opening without notice. A minimum cumulative monthly direct deposit of $2,500 is required to earn the stated APY.

For the first five (5) months from account opening, there is no balance cap on funds eligible to earn the 4.00% introductory APY. After the introductory period, the current 3.00% APY will apply to balances between $0.00 – $100,000, and amounts above $100,000 will earn the Regular Savings account APY as disclosed on the current rates page. Existing members with an active Perk Central account earn the current APY, which is 3.00% for qualifying balances. The post-introductory APY is variable and may change at any time. Please refer to our Rates page for current rates.

Cumulative monthly direct deposits between $0.00–$2,499.99 will earn 0.05% APY. Direct deposits may be made to any share account within the membership. Dividends are paid to the Perk Central account using the average daily balance method.

Altitude Savings:

Membership is required.

*APY = Annual Percentage Yield. The dividend rate for the Altitude Savings Account is 3.919% with an Annual Percentage Yield (APY) of 3.99%. This account is a variable-rate account. The dividend rate and annual percentage yield may change at any time, without prior notice, as determined by the Credit Union’s Board of Directors.

New Money Requirement: To qualify for the disclosed dividend rate and APY, funds must originate from outside SkyOne Federal Credit Union. Funds currently on deposit with SkyOne, including transfers between SkyOne accounts, withdrawals and redeposits, or proceeds from existing SkyOne accounts, do not qualify as New Money.

Dividend Information: Dividends are compounded and credited monthly. Fees may reduce earnings on the account.

Balance Computation Method: Dividends are calculated by the average daily balance method, which applies to a periodic rate to the average daily balance in the account for a period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is a monthly dividend period.

Accrual of Dividends: Dividends will begin to accrue on the effective business day you deposit non-cash items (e.g., checks) to your account if deposited before the close of business.

Minimum Opening Deposit and Balance Requirements: The minimum deposit required to open the account is $1. There is no maximum deposit amount and no ongoing minimum deposit requirement.

Monthly Service Fee: There is no monthly service fee.

Fees and Charges: Other fees may apply. Refer to our Schedule of Service Charges for a complete listing of fees and charges.

Limitations: The account is limited to new money deposits only. Limit one (1) Altitude Savings Account per primary membership number.