Get $100 when you open a QuickPay or PlatinumPay account with direct deposit^1,2

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Disclosure

¹In order to qualify for the following Special Selected Employer Group (SEG) Benefits, you must be currently employed at a designated Selected Employer Group with SkyOne Federal Credit Union, open a new SkyOne membership with a pay account (QuickPay or PlatinumPay), and receive a minimum of $1,000 in direct deposits per statement cycle into the pay account. If you do not meet the pay account and direct deposit minimum requirement for six (6) consecutive months, you will no longer be eligible for the Special SEG Benefits, and your account will be removed from the benefits program.

²$100 Bonus. If you open a new SkyOne Federal Credit Union Advantage pay account with a minimum average of $1,000 direct deposit per statement cycle, you’ll receive a $100 bonus. Your bonus will be deposited to your pay account within 30 days after we’ve received your first qualifying direct deposit into this account and your account is in good standing. PlatinumPay earns dividends up to 0.05% Annual Percentage Yield on any balance. This rate is effective as of the last dividend and declaration date. The rate is variable and may change after the account is opened. Fees may reduce earnings on the account. QuickPay does not earn dividends. Account subject to eligibility, visit Pay Accounts page at skyone.org/payaccounts for full terms and conditions and Rates page at https://www.skyone.org/rates for current rates.

³0.25% increase on Share-Certificate dividends. This increase applies to all of our Share- Certificates with $1,000 minimum. Additionally, you have the option of a One-Time Rate Bump if you choose a term of two or more years. 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 Federal Credit Union. The one-time rate increase only applies to certificates with terms of two years or longer. Visit Certificates page for full terms and conditions and Rates page for current rates.

⁴Get up to 4 refunds per month for non-credit union ATM fees. Qualifying refunds will be posted to your account at the end of the calendar month.

⁵Auto Loan Discounts. Receive up to 0.75% off your auto loan rate based on: 0.25% discount for being a First Responder or Aviation Industry employee, 0.25% discount for automatic payment and 0.25% discount for your direct deposit (average $1,000 per statement cycle). 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 online at https://www.skyone.org/borrow/auto-loans/, inclusive of any applicable rate discounts. 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. Estimated monthly payment: a $15,000 new vehicle loan at 6.99% APR for 60 months will have an estimated monthly payment of $297; a $15,000 used vehicle loan at 6.99% APR for 60 months will have an estimated monthly payment of $297. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding. Visit Auto Loans page for full terms and conditions and Rates page for current rates. All loans are subject to credit approval.

⁶Signature Loan Discounts. Receive up to 0.50% off your loan rate based on: 0.25% discount for automatic payment from your Advantage Checking or savings account, 0.25% discount for your direct deposit (average $1,000 per statement cycle). For new accounts, the discounted APR will take effect up to 30 days after account opening. If you no longer qualify for the discount, your rate will revert to the rate you qualified for at account opening, as disclosed in the Non-Variable Rate Agreement and Federal Disclosure Statement provided. Visit Rates page for current rates. All loans are subject to credit approval. Signature Loan payment example: a $10,000 loan at 13.24% APR and a 60-month term requires an estimated monthly payment of $228

⁷Up to $5,000 on closing costs for Jumbo Loan Mortgage. SkyOne Federal Credit Union will pay borrower’s third-party closing costs up to 2% of the loan amount up to a cap of $5,000 excluding discount points, private mortgage insurance, prepaid interest, homeowner association fees, home inspection fees, condo document fees or funds to establish the member’s escrow account. Appraisal and any fees collected from the borrower during the loan process will be credited back to the borrower at loan closing. However, such fees will not be refundable to the borrower if the loan is not completed for any reason. If the loan is paid in full within the first 36 months of the commencement of the loan, the borrower will be required to reimburse 100% of the closing costs (a value up to $5,000) paid by SkyOne Federal Credit Union. All loans are subject to membership eligibility, credit, and underwriting approval. Additional terms and conditions may apply. Call (855) 624-7248 (Mon-Fri: 5:00 a.m. to 5:00 p.m. Pacific time) if you have any questions.

Home Equity Loan and Line Discount. Get 0.25% discount with automatic payment from your SkyOne Advantage Checking or Savings Account. For new accounts, the discounted APR will take effect up to 30 days after the Home Equity Loan or Line account opening. If you no longer qualify for the discount, your rate will revert to the variable rate based on an index and margin you qualified for at account opening, as disclosed in the Home Equity Loan or Line of Credit Agreement and Disclosure Statement provided. After that, the current rate will apply. For terms and conditions and current rates visit Home Equity Loan page. All loans are subject to credit approval.

⁸Carrier message and data rates may apply.

⁹U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.

¹⁰You must have direct deposit on your account to enjoy this service. Early Arrival is based on the date that your employer sends SkyOne the funds for your paycheck. The actual delivery dates may vary in the event of holidays and other occurrences.

¹¹SkyOne member benefits are provided by third parties, not by SkyOne or its affiliates. Providers may pay royalty fees to SkyOne for the use of its intellectual property. Some provider offers are subject to change and may have restrictions. Please contact the provider directly for details.

¹²Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

¹³QuickPay

Rate Information: This is a non-interest-bearing account.

Minimum Balance Requirements: The minimum balance required to open this account is $20.00.

Transaction Limitations: No transaction limitations apply to this account.

Monthly Service Fee: $6.95

Ways To Avoid The Monthly Service Fee: $0 Monthly Service Fee when one or more of the following conditions are met during each monthly statement period: You are age 25 or under, are age 65 or older, have an active Line of Credit including Home Equity Line of Credit (HELOC) (activity is defined as carrying a balance or making an advance each month of $100 or more), have an active consumer loan including mortgage, maintain an average daily balance of $2,500 or more, have an aggregate direct deposit of $1,000 or more into your SkyOne account where the QuickPay account is held, or make a minimum of twenty (20) debit card point of sale (POS) transactions.

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 www.skyone.org.

¹⁴PlatinumPay Account

Rate Information: Dividends up to 0.05% (APY) Annual Percentage Yield. SkyOne rates and terms are effective as of 08.05.2024. The rate is variable and is subject to change after the account is opened without notice. Refer to our separate rate sheet at https://www.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.

Minimum Balance Requirements: The minimum balance required to open this account is $20.00.

Transaction Limitations: No transaction limitations apply to this account.

Monthly Service Fee: $8.95

Ways To Avoid The Monthly Service Fee: $0 Monthly Service Fee when the following condition is met during each monthly statement period: Keep an average daily balance of $10,000 or more in the PlatinumPay account.

Other Fees That May Apply: Refer to the Schedule of Service Charges.

Electronic Services: Upon approval of a request for a PlatinumPay account, the Credit Union will send the member and joint owner(s) each a SkyOne ATM/VISA® Debit Card and a PIN for Telephone Banking. Separate registration is required for online and mobile banking access at www.skyone.org.

Eligibility: Must be a United States resident, 18 years or older, with a valid Social Security Number to be eligible for the benefits of the PlatinumPay Account.

¹⁵Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

¹⁶Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. All Guide to Benefits and/or insurance documents can be found online at SkyOne.ClubChecking.com. Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate.