Disclosure

Membership required. Fees may reduce earnings. SkyOne reserves the right to cancel or modify these
offers at any time.

*APY=Annual Percentage Yield. Rates accurate as of 11/15/2025 and subject to change without notice.

¹10-Month Flex Certificate: Minimum balance to open and earn stated APY is $1,000. This offer applies to NEW MONEY only. New money is defined as funds coming from outside of SkyOne. Only one (1) 10-Month Flex certificate per member is allowed.

Penalty and fee-free daily withdrawal, starting on day 7 after the certificate is opened, of up to 50% of the start of daily balance as of 12:00am each day at any time during the share term. Withdrawals that bring the certificate below the $1,000 minimum balance prior to the maturity date will terminate the account, and fees will be assessed based on the withdrawal of anything over 50% of the daily balance. Early withdrawals may reduce earnings on the account and penalties may apply. Fees may also reduce the earnings. Please refer to the Fee Schedule and All in One disclosure for complete details.

Additional deposits are permitted at any time prior to maturity. ACH transfers will be accepted for this account.

Automatically Renewable Account: Your Flex Certificate will automatically renew on the maturity date unless you prevent renewal by withdrawing all the funds in the account at maturity or within the grace period of seven (7) calendar days after maturity. The renewal term for this promotional certificate will be the standard 11-month Liquid Certificate term. The dividend rate and annual percentage yield will be the same we offer on new certificates on the maturity date which have the same term, minimum balance (if any) and other features as the Liquid certificate account. If the balance of your certificate is below the required minimum balance in the account at the time of renewal, the certificate will be closed, and the funds placed in your Primary Savings Account.

²Perk Central Promotional Offer: Promotional dividend rate of 4.410% (4.50% APY) applies to new money deposited into a Perk Central Account opened with a new QuickPay checking account between 11/15/2025 and 12/31/2025. The promotional term is limited to five months, beginning in the month the $2,500 minimum cumulative direct deposit first posts. Direct deposit must be established within 30 days of account opening to qualify. The 4.50% APY applies to new money balances up to $100,000. During the promotional period, this $100,000 cap on deposits earning the higher rate is waived on new money only. After the promotional period, dividends will be paid at the then-current tiered rates as disclosed at SkyOne.org/rates. To earn and keep the promotional rate, members must set up and maintain qualifying direct deposits of at least $2,500 to any share account within the membership. Qualifying direct deposits include recurring ACH credits such as payroll, pension, or government benefits. Transfers, mobile deposits, ATM deposits, and in-branch deposits do not qualify. If the direct deposit requirement is not met in any month, the account will earn the Regular Savings APY for that month. For full terms and conditions visit https://skyone.org/savebig-cheer/

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