Apply

At SkyOne, you can choose from a wide range of financing for all your wants and needs. Your car, your home, and a credit card that earns travel rewards every time you make a purchase. We'll even help you leverage your home's equity to fund large projects. 

Consumer Loans

Apply online for instant approval.

Apply Now

     See Our Credit Card Rates

  • Platinum Rewards Visa Credit Card

      Rates Effective 08-17-2017

    Platinum Rewards Visa Rates

    APR* As low as Credit Limit Rate Type Alert Me
    11.50% $2,500 - $50,000 Variable
    12.24% $2,500 - $50,000 Non-Variable
    *APR=Annual Percentage Rate. The regular rates include a 0.25% Autopay (automatic payment) discount. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Balances transferred from an existing SkyOne loan are not eligible for the introductory rate. Balance transfers, check requests, convenience checks and overdraft protection do not earn SkyOne Platinum Visa Travel Rewards points, and are all subject to terms and conditions of cash advances. Platinum Rewards Visa Terms and Conditions.
     

  • Classic Visa Credit Card

      Rates Effective 08-17-2017

    Today's Classic Visa Rates

    APR* as Low As Amount Rate Type Alert Me
    13.00% $1,000-$5,000 Variable
    14.24% $1,000-$5,000 Non-Variable
    *APR: Annual Percentage Rates. Rates and terms are subject to change without notice. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Advertised rates include a 0.25% AutoPay (automatic payment) discount. Classic Visa Terms and Conditions.
     

  • Savings Secured Visa Credit Card

      Rates Effective 08-17-2017

    Today's Savings Secured Visa Rates

    APR* as Low As Amount Rate Type Alert Me
    10.75% $500 to $10,000 Non-Variable
    *APR: Annual Percentage Rates. Rates and terms are subject to change without notice. Advertised rate includes a 0.25% AutoPay (automatic payment) discount. Savings Secured Visa Terms and Conditions.
     

  • Starter Visa Credit Card

     

    Today's Starter Secured Visa Rates

    APR* as Low As Amount Rate Type Alert Me
    18.00% $500 to $1,000 Variable
    *APR: Annual Percentage Rates. Rates and terms are subject to change without notice. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Advertised rates include a 0.25% AutoPay (automatic payment) discount. Starter Visa Terms and Conditions.
     

     See Our Consumer Loan Rates

  • Auto Loan Rates

      Rates Effective 08-17-2017

    Auto Loan Rates

    New Vehicles As Low As Used Vehicles As Low As Maximum Term Alert Me
    2.24% APR* 2.99% APR* 0 - 72 months
    2.99% APR* 3.74% APR* 84 months
    3.99% APR* 4.74% APR* 96 months
    *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 offered will not be lower than 2.24% APR, and the lowest used vehicle rate offered will not be lower than 2.99% APR, inclusive of any applicable rate discounts. The advertised “as low as” APRs include a 0.25% AutoPay rate discount, which requires you to set up automatic payments (AutoPay) from your SkyOne Savings or Checking account. If AutoPay is cancelled at any time during the term of the loan, your rate will increase by 0.25%. Maximum term at new vehicle rate is 72 months for new and used vehicles; minimum amount financed is $2,500. Estimated monthly payment: a $15,000 new vehicle loan at 2.24% APR for 72 months will have an estimated monthly payment of $222; a $15,000 used vehicle loan at 2.99% APR for 72 months will have an estimated monthly payment of $227. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.
     

  • Toy Loan Rates

      Rates Effective 08-17-2017

    Toy Loans on Motorcycles, Airplanes, Boats, RVs and ATVs

    New Motorcycles As Low As Used Motorcycles As Low As Maximum Term Alert Me
    3.99% APR* 4.49% APR* 48 months
    4.24% APR* 4.74% APR* 72 months
    New Toys As Low As Used Toys As Low As Maximum Term Alert Me
    4.24% APR* 4.74% APR* 72 months
    4.49% APR* 4.99% APR* 84 months
    5.49% APR* 5.99% APR* 120 months
    5.74% APR* 6.24% APR* 180 months
    *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, without which rates will be 0.25% higher. The lowest rate offered will not be lower than 3.99% APR for new motorcycles, and 4.49% APR for used motorcycles, inclusive of any applicable rate discounts. The lowest rate offered will not be lower than 4.24% APR for new toys, and 4.74% APR for used toys, inclusive of any applicable rate discounts. If the amount financed is $20,000 or less, the maximum term for motorcycles is 72 months and 84 months for toys. Loan term example: a $15,000 loan at 4.24% APR requires 60 monthly payments of $278.
    1 Restrictions apply.
     

      Rates Effective 08-17-2017

    Toy Loans on Dirt Bikes, Jet Skis, Snowmobiles

    As Low As Rate Type Loan Amount Maximum Term Alert Me
    9.49% APR* Fixed $500 - $3,000 Up to 24 months
    9.49% APR* Fixed $3,001 - $50,000 Up to 60 months
    *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 (automatic payment) discount. The lowest rate offered will not be lower than 9.49% APR, inclusive of any applicable rate discounts. Dirt Bikes, Jet Skis and Snowmobiles are financed as Signature loans. Payment example: a $10,000 loan at 9.49% APR and 60 month term requires a monthly payment of $209.
     

  • Signature Loan & Lines of Credit

      Rates Effective 08-17-2017

    Signature Loan Rates

    Rate Rate Type Loan Amount Term Alert Me
    9.49% APR* Fixed $500 - $3,000 Up to 24 months
    9.49% APR* Fixed $3,001 - $50,000 Up to 60 months
    *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 (automatic payment) discount. SkyOne Signature Loan payment example: a $10,000 loan at 9.49% APR and 60 month term requires an estimated monthly payment of $210.
     

      Rates Effective 08-17-2017

    SkyOne Line of Credit Rates

    As Low As Rate Type Credit Limit Alert Me
    9.24% APR* Variable $500 - $50,000
    11.99% APR* Non-Variable $500 - $50,000
    *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 (automatic payment) discount.
     

Real Estate Loans 

    Apply for a First Mortgage    Apply for a Home Equity Loan/HELOC

     See Our Real Estate Loan Rates

  • First Mortgages

      Rates Effective 08-17-2017

    Fixed Rate Mortgages, 0 Points

    Term Conforming Rate Conforming APR* Jumbo Rate Jumbo APR* Alert Me
    7-Year 3.000% 3.414% 3.250% 3.594%
    10-Year 3.250% 3.547% 3.500% 3.747%
    15-Year 3.500% 3.670% 3.500% 3.670%
    30-Year 4.000% 4.117% 4.250% 4.348%
    *APR: Annual Percentage Rate. The information provided assumes the loan amount of $200,000 on a purchase or rate-term refinance, with a loan amount of $200,000 and an estimated property value of $250,000. An escrow (impound) account may be required. The rate lock period is 45 days. The loan-to-value (LTV) is 80%. A down payment of 20% is required. At a 3.875% interest rate, the APR for this loan type is 3.991%. The monthly payment schedule would be: 360 payments of $940.47 at an interest rate of 3.875%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
     

      Rates Effective 08-17-2017

    Adjustable Rate Mortgages (ARMs), 0 Points

    Term Conforming Rate Conforming APR* Jumbo Rate Jumbo APR* Alert Me
    3/1 ARM 2.250% 2.362% 3.500% 3.594%
    5/1 ARM 3.500% 3.614% 3.750% 3.845%
    7/1 ARM 3.750% 3.865% 4.000% 4.097%
    5/5 ARM 3.750% 3.865% 4.000% 4.097%
    *APR: Annual Percentage Rate
     

  Rates Effective 08-17-2017

Affordable Rates and Generous Terms

Loan Type APR1 Rate Type Term Alert Me
Home Equity Line of Credit (HELOC) 4.99% Variable Up to 180 Months
Home Equity Loan 5.99% Fixed 60-120 Months
Home Equity Loan 6.24% Fixed 180 Months
Home Equity Loan 6.49% Fixed 240 Months
1APR=Annual Percentage Rate. Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher.
HELOC: 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% would be $161.04. Home Equity Loan: 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 has a monthly payment of $549.