Rates – SkyOne Federal Credit Union

SkyOne Rates

Rates effective as of

Savings Rates

Account	Requirements	Dividend Rate	Average Percentage Yield (APY)*
Regular Savings	$0 to $499	0.00%	0.00%
Regular Savings	$500+	0.05%	0.05%
Sky-High Savings	$0 to $999	0.05%	0.05%
Sky-High Savings	$1,000+	1.00%	1.00%
Perk Central	Promotional Rate	3.93%	4.00%
	Monthly Direct Deposit of $2,500+	2.96%	3.00%
	Monthly Direct Deposit below $2,500	0.05%	0.05%

Savings Disclosures

Savings Account: *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. A $500 balance is required to earn dividends. Dividends posted and compounded Monthly. Fees may reduce earnings. Sky-high Savings Account: *APY= Annual Percentage Yield. Dividends posted and compounded Monthly. Fees may reduce earnings. 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. A deposit of $1,000 or more must post to your account(s) each month. The deposit can be posted to any share account (suffix) within the same account and can be in aggregate up to $1,000 or more. There are no restrictions on the type of deposit method. During the month, if there is no deposit of $1,000 or more credited to the account(s), the dividend rate and APY will default to the Regular Savings Account rate and APY disclosed on the current rate sheet. Perk Central: *APY=Annual Percentage Yield. Perk Central rates and terms are accurate as of 04.01.2026 and are subject to change after the account is opened without notice. Rates are effective as of the last dividend declaration date. The rate is variable and may change after the account is opened. The minimum cumulative monthly direct deposit required to earn dividends is: $0.00 – $2,499.99 to earn 0.05% APY and $2,500.00 and above to earn 3.00% APY. Introductory APY=Annual Percentage Yield. The introductory dividend rate is 3.93%, 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 3.93% (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. Please refer to the Fee Schedule and All in One Disclosure for complete details.

Checking Rates

Account Type	Dividend Rate	Annual Percentage Yield (APY)*
QuickPay	N/A	N/A
SmartPay	1.00%	1.00%
PlatinumPay	0.05%	0.05%

Checking Disclosures

PlatinumPay: *APY=Annual Percentage Yield. Dividends up to 0.05%. SkyOne rates and terms are effective as of 09.22.2024. The rate is variable and is subject to change after the account is opened without notice. Refer to our separate rate sheet at https://skyone.org/rates for the current rate. You must maintain a minimum average daily balance of $2,500 in your PlatinumPay account to earn dividends. Dividend Information: Dividends will be compounded and credited monthly. Fees may reduce earnings on the account.

Perk Central: *APY=Annual Percentage Yield. Perk Central rates and terms are accurate as of 012.31.2025 and are subject to change after the account is opened without notice. Rates are effective as of the last dividend declaration date. The rate is variable and may change after the account is opened. The minimum cumulative monthly direct deposit required to earn dividends is: $0.00 – $2,499.99 to earn 0.05% APY and $2,500.00 and above to earn 3.00% APY.

Fees may reduce earnings Please refer to the Fee Schedule and All in One Disclosure for complete details.

Please refer to the Fee Schedule and All in One Disclosure for complete details.

Certificate Rates

Certificate Term	Annual Percentage Yield (APY)*
10 Month Flex	4.00%
11 Month Liquid	3.10%
6 Months	3.50%
1 Year	3.50%
2 Years	3.50%
3 Years	3.50%
4 Years	3.50%
5 Years	3.50%

Certificate Rate Disclosures

Certificate Account: *APY= Annual Percentage Yield – APY on certificates assumes quarterly compounding. APY is slightly less for terms of less than 12 months. A $1,000 minimum balance and the minimum amount to open the Certificate is required, starting at a six-month term. The dividend rate will remain the same until the end of your term (even if balance exceeds the maximum amount in your current tier level). The maximum terms for certificates will be limited to 60 months. Rates are subject to change. Early withdrawal penalties apply.

In the event of withdrawal before your certificate term matures:

Certificates with terms from six months to one year are subject to a penalty equal to a loss of 90 days dividends; certificate terms greater than one year are subject to a penalty equal to a loss of 180 days dividends; dividends will be paid prior to imposing the penalty. Fees may reduce earnings on the account.

^If our certificate rates go up any time during the original term of your Certificate, you may request a one-time rate bump (increase) for the remainder of the original term by notifying SkyOne. The one-time rate increase only applies to certificates with terms of two years or longer.

Please refer to the Fee Schedule and All in One Disclosure for complete details.

Money Market Rates

Balance	Dividend Rate	Average Percentage Yield (APY)*
$0 - $2,499.99	0.00%	0.00%
$2,500 - $24,999.99	0.10%	0.10%
$25,000 - $49,999.99	0.20%	0.20%
$50,000 - $99,999.99	0.30%	0.30%
$100,000 - $249,999.99	0.40%	0.40%
$250,000+	0.40%	0.40%

Money Market Rate Disclosures

Money Market Account: *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. The minimum balance required to earn dividends is: 1. $2,500-$24,999.99 to earn 0.10% APY, $25,000-$49,999.99 to earn 0.20% APY, $50,000-$99,999.99 to earn 0.30% APY, $100,000-$249,999.99 to earn 0.40% APY, and $250,000+ to earn 0.40% APY. Dividends will be posted and compounded monthly. If your Average Daily Balance falls below $2,500, a $10 monthly fee will be assessed. Fees may reduce earnings.

Please refer to the Fee Schedule and All in One Disclosure for complete details.

Personal Loan Rates

Personal Loan

As low as	Rate Type	Credit Limit
13.99% APR*	Non-Variable	$500 - $50,000

Personal Line of Credit

As low as	Rate Type	Credit Limit
13.00% APR*	Variable	$500 - $50,000

Money Market Rate Disclosures

Please refer to the Fee Schedule and All in One Disclosure for complete details.

Vehicle Loan Rates

Auto Loans

Vehicle Type	36 - 48 Months	60 Months	72 Months	84 Months
New & Used Vehicles	5.74% APR*	5.99% APR*	6.49% APR*	6.99% APR*
Vehicle Refinance	4.99% APR*	5.24% APR*	5.99% APR*	6.24% APR*

Auto Loan Rate Disclosures

Auto Loan Disclosures: *APR = Annual Percentage Rate. Published rates are subject to change at any time. Rates, terms and loan amounts are based on your credit worthiness and are subject to approval. The lowest new vehicle rate and lowest used vehicle rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. The advertised “as low as” APRs includes a 0.25% Auto Pay rate discount and 0.25% direct deposit discount. 0.25% Auto Pay rate discount requires you to set up automatic payments (AutoPay) from your SkyOne Savings or Checking account. If Auto Pay is cancelled at any time during the term of the loan, your rate will increase by 0.25%. 0.25% direct deposit discount: requires you to make at least two (2) ACH deposits of more than $1.00 that total $2,000.00 or more a rolling seventy (70) day period. You have seventy (70) days from the date of this document to establish this direct deposit. Should you not make deposits as described your Annual Percentage Rate will increase by (0.25%). Maximum term at new vehicle rate is 60 months for new and used vehicles; minimum amount financed is $2,500. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 84 month term would be $210.18. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.

Motorcycle Loans

Maximum Term	New Motorcycles (as low as)	Used Motorcycles (as low as)
48 Months	7.74% APR*	8.24% APR*
72 Months	7.99% APR*	8.49% APR*

Motorcycle Rate Disclosures

Motorcycle Loan Disclosures: *APR: Annual Percentage Rate. Rates are subject to change anytime. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Advertised rates include a 0.25% Autopay discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest new motorcycle rate and used motorcycle rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. If the amount financed is $10,000 or less, the maximum term for motorcycles is 72 months. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 72-month term would be $228.08.

Toy Loans - RVs, Boats, Planes and Offroad Vehicles

Maximum Term	Used Toys (as low as)	Used Toys (as low as)
72 months	7.99%	8.49%
84 months	8.24%	8.74%
120 months	9.24%	9.74%
180 months	9.49%	9.99%

Toy Loan Rate Disclosures

Toy Loan (Airplanes, Boats and RVs) Disclosures: *APR: Annual Percentage Rate. Rates are subject to change anytime. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Advertised rates include a 0.25% Autopay discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest new toy rate and used toy rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. If the amount financed is $20,000 or less, the maximum term is for 84 months. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $40,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $644.17.

Toy Loan Rates (Dirt Bikes, Jet Skis, Snowmobiles and ATVs) Disclosures: *APR: Annual Percentage Rate. Published rates are subject to change anytime. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Advertised rates include a 0.25% Autopay discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. Dirt Bikes, Jet Skis, Snowmobiles and ATVs are financed as Signature loans. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 60-month term would be $253.93.

Home Loan Rates

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Home Equity Loan Rates

Term	Rate	Rate Type
120 months	7.25% APR*	Fixed
180 months	7.50% APR*	Fixed
240 months	8.00% APR*	Fixed

HELOC Rates

Rate APR*	Rate Type	Draw Period	Term
6.75% (Prime Rate)	Variable	10 Years	20 Year Repayment

Home Loan Rate Disclosures

HELOC: ^*APR=Annual Percentage Rate. Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. Not all applicants will qualify for the lowest rate. 1) Maximum Credit Limit: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum Credit Limit: $10,000. 3) TRANSACTION REQUIREMENTS. The minimum credit advance that you can receive is $5,000.00 for the first advance. 4) RATE INFORMATION. The maximum Annual Percentage Rate that can apply to a Home Equity Line of Credit is 18%. Your Annual Percentage Rate will not go below 3% at any time during the term of the loan. 5) MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $161.04. 6) HELOC APR is variable. 7) Homeowners insurance is required. 8) Closing costs typically range from $1100 to $2500, depending upon the property’s location.

Home Equity Loan: ^*APR=Annual Percentage Rate. Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. Not all applicants will qualify for the lowest rate. 1) Maximum loan amount: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum loan amount: $10,000. 3) Payment example: a $50,000 Home Equity Loan with a 120-month term with a rate of 9.24% APR has a monthly payment of $639. All loans are subject to approval. Third party fees may occur. 4) Closing costs typically range from $1100 to $2500, depending upon the property’s location.

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Credit Card Rates

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SkyOne Rates

Savings Rates

Savings Disclosures

Checking Rates

Checking Disclosures

Certificate Rates

Certificate Rate Disclosures

Money Market Rates

Money Market Rate Disclosures

Personal Loan Rates

Personal Loan

Personal Line of Credit

Money Market Rate Disclosures

Vehicle Loan Rates

Auto Loans

Auto Loan Rate Disclosures

Motorcycle Loans

Motorcycle Rate Disclosures

Toy Loans - RVs, Boats, Planes and Offroad Vehicles

Toy Loan Rate Disclosures

Home Loan Rates

Home Equity Loan Rates

HELOC Rates

Home Loan Rate Disclosures

Credit Card Rates

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