We give more to your cause
From now till 12/19/25, we will donate to your organization:
With a $50,000+ deposit*
With a $25,000-$49,999 deposit*
With a $10,000-$24,999 deposit*
DO GOOD.
We help your organization grow
Our high-yield savings helps you earn on your balance, unlike the fee’s and low APR on other bank accounts.
3.00% APY**
0.01% APY
America
0.01% APY
0.01% APY
Minimum to earn 3.00% APY** is $1.00. SkyOne Rate as of 12.04.2025. Comparison of banks’ rates as of 12.04.2025.
Absolutely no fees
Make unlimited transactions and deposits, without worries about hidden fees
Bank on your time, not ours
Check balances and transactions, deposit checks, and more, 24/7 online or through our mobile app.1
Nationwide Branches & ATMs
Enjoy over 30,000 surcharge-free ATMs and 4,000+ shared branches near you.
Keep your money secure
NCUA secured up to $250,000, for peace of mind while you do business
We work for you, not shareholders
| Credit Unions | Banks | |
|---|---|---|
| Ownership | Not-for-profit; owned by members of the credit union | For profit; owned by select group of stockholders |
| Profits | Earnings are returned to all members through better rates and fewer fees | Profits go to select stockholders in the form of dividends |
| Rates | Higher interest rates on deposit accounts | Lower interest rates on deposit accounts |
| Fees | Lower fees | Higher fees |
| Access | 66,000+ ATMs and 4,000+ shared branches nationwide | 15,700+ branches combined (Wells Fargo, Chase, and Bank of America) |
| Insurance | Insured up to $250,000 through the NCUA | Insured up to $250,000 through the FDIC |
| Customer Service | Personalized service with a community focus | Less personalized, larger customer base |
| Loan Approval Flexibility | More flexible and willing to work with members | Strict lending criteria |
| Community Involvement | Strong community involvement and support | Less community-focused |
| Financial Education | Free financial education and counseling | Limited financial education offerings |
| Board of Directors | Elected by members, volunteer-based | Paid, profit-driven board members |
| Loan Rates | Generally lower loan rates | Higher loan rates |
Disclosure
Membership required.
*Non-Profit Donation Offer valid through December 19, 2025. All deposits must be new money not currently on deposit with SkyOne Federal Credit Union. Donation amount is determined by the qualifying deposit tier and will be paid directly to the non-profit organization after funds are verified and retained on deposit for 30 calendar days. Limit one donation per qualifying organization. Eligible organizations must maintain a SkyOne Organizational Account with registered proof of 501(c)(3) status on file. Additional terms and conditions may apply.
**APY=Annual Percentage Yield. APY is accurate as of 12/03/2025 and subject to change without notice. Rate may change after the account is opened. Minimum balance to earn the stated APY is $1.00. Minimum opening deposit: $1.00. Fees may reduce earnings on the account. Offer applies to new money deposited into new High-Yield Business Savings Accounts only. Dividends are compounded and credited monthly. Additional terms and conditions may apply. Contact SkyOne for details.
Competitor APYs shown are publicly available rates as of 12/04/2025 for comparable business savings accounts; rates subject to change. Source: chase.com, wellfargo.com, and bofa.com.
1Carrier message and data rates may apply.
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