*NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINNING.

The SkyOne Debit Card Swipe Sweepstakes (“Sweepstakes”) is sponsored by SkyOne Federal Credit Union, federally insured by NCUA (“Sponsor”). The Sweepstakes is open to legal residents of the United States who are at least 18 years of age at the time of entry. Employees, officers, directors, and immediate family members of SkyOne Federal Credit Union and its affiliates, subsidiaries, and advertising or promotional agencies are not eligible. Void where prohibited by law.

The Sweepstakes begins at 12:00:01 a.m. Pacific Time on April 1, 2026, and ends at 11:59:59 p.m. Pacific Time on June 30, 2026 (“Sweepstakes Period”).

How to Enter:

Eligible participants may enter the Sweepstakes through either the following methods. All entries, regardless of entry method, will have an equal chance of winning.

Automatic Entry via Debit Card Usage (SkyOne Members Only):

Eligible SkyOne members in good standing will automatically receive one (1) entry for each qualifying SkyOne debit card purchase transaction of $1.00 or more completed during the Sweepstakes Period. Qualifying transactions include point-of-sale debit card purchases using a SkyOne debit card. ATM withdrawals, balance inquiries, transfers, fees, returned or reversed transactions, and fraudulent activity do not qualify.

Free Alternative Method of Entry (No Purchase Necessary):

To enter without making a debit card purchase, any eligible individual may submit a handwritten entry on a standard postcard (approximately 3.5″ x 5″ or 4″ x 6″) including their full name, mailing address, phone number, and email address. SkyOne membership is not required to enter by mail.

Mail-in entries must be sent in a standard postcard format only (no envelopes) to:

SkyOne Debit Card Sweepstakes
SkyOne Federal Credit Union
14600 Aviation Blvd
Hawthorne, CA 90250

Mail entries must be postmarked between April 1, 2026, and June 30, 2026 and received by July 5, 2026. Each mail-in entry will receive one (1) entry, with the same odds of winning as any other entry received.

Entry Limits:

There is no limit to the number of entries an individual may receive or submit during the Sweepstakes Period; however, each entrant may win only one prize.

Odds of winning depend on the total number of eligible entries received during the Sweepstakes Period. Odds are the same regardless of method of entry.

Prizes:

Prize Pool: $5,000. Twenty (20) winners will be selected as follows:

1 Winner: $2,000 (Grand Prize)
1 Winner: $500
1 Winner: $300
7 Winners: $200 each
10 Winners: $80 each

Prizes are non-transferable and no cash substitution is permitted except at the Sponsor’s sole discretion. Sponsor reserves the right to substitute a prize of equal or greater value if necessary.

Winner Selection and Notification:

Winners will be selected in a random drawing conducted on or about July 7, 2026 from all eligible entries received. Winners will be notified using the contact information provided at the time of entry or on file with SkyOne Federal Credit Union. If a selected winner cannot be contacted, is determined to be ineligible, or fails to respond within the required timeframe, an alternate winner may be selected.

Taxes:

All federal, state, and local taxes associated with prize receipt are the sole responsibility of the winner. Sponsor will issue an IRS Form 1099-MISC as required by law.

General Conditions:

By participating, entrants agree to be bound by these Official Rules and the decisions of the Sponsor, which are final and binding. Sponsor is not responsible for lost, late, incomplete, inaccurate, misdirected, or undelivered entries, or for technical failures or unauthorized intervention. By participating, entrants release and hold harmless SkyOne Federal Credit Union and its officers, directors, employees, and agents from any liability arising from participation in the Sweepstakes or acceptance or use of any prize.

Privacy:

Information collected in connection with this Sweepstakes will be used in accordance with SkyOne Federal Credit Union’s Privacy Policy and will not be sold or shared except as necessary to administer the Sweepstakes or comply with legal obligations.

Governing Law:

The Sweepstakes is governed by the laws of the United States and the state in which SkyOne Federal Credit Union is chartered, without regard to conflict-of-law principles.

Rules and Winners List:

For a copy of these Official Rules or the winners list (available after July 15, 2026), send a written request to:

SkyOne Debit Card Sweepstakes
SkyOne Federal Credit Union
14600 Aviation Blvd
Hawthorne, CA 90250

Disclosure

¹QuickPay Rate Information: This is non-interest bearing account. Minimum Balance Requirements: The minimum balance required to open this account is $20.00 Monthly Service Fee: $0.00 Transaction Limitations: No transaction limitations apply to this account. Other Fees that May Apply: Refer to the Schedule of Service Charges Electronic Services: Upon approval of a request for a QuickPay account, the Credit Union will send the member and joint owner(s) each a SkyOne ATM/VISA® Debit Card. Separate registration is required for online and mobile banking access at skyone.org.

²Early Payday: You must have direct deposit on your account to enjoy this service. Early arrival is based on the date your employer sends SkyOne the funds for your paycheck. The actual delivery dates may vary in the event of holidays and other occurrences and may be affected by the Same Day ACH Rule.

³APY=Annual Percentage Yield. The introductory dividend rate is 3.928%, with an Annual Percentage Yield (APY) of 4.00%. This offer applies to new money deposited into a Perk Central Account. New money is defined as funds transferred from outside of SkyOne. Rates are subject to change at any time, as determined by the Board of Directors. QuickPay + Perk Central Bundle: A Perk Central account will automatically be opened with a new QuickPay account. The introductory rate is available to new SkyOne Federal Credit Union members and existing SkyOne Federal Credit Union members without a payment/checking account who open both a QuickPay and Perk Central account. Both accounts must remain open and active to qualify for the introductory rate. Direct Deposit Requirement: After account opening, the member has 30 days to set up cumulative direct deposits totaling at least $2,500 to earn the introductory rate. Direct deposits may be made to any share account within the membership. The month in which the $2,500 minimum is first credited will be considered Month 1 of the five-month introductory period, during which the introductory dividend rate of 3.928% (4.00% APY) may apply. If the requirement is not met, the account will earn the dividend rate and APY for the Regular Savings, as disclosed on the current rate sheet. A qualifying direct deposit is an electronic deposit of salary, pension, Social Security, or other recurring income through the Automated Clearing House (ACH) network to any share account (suffix) within the same membership. Transfers, mobile deposits, ATM deposits, or in-branch deposits do not qualify.