Few financial decisions provide the freedom, functionality and fun like car ownership. Whether you’re ready for a new vehicle or want to refinance an existing auto loan,
your passport to savings starts with your SkyOne Auto Loan!
We'll keep your payment affordable and help rebuild your credit.
Rates Effective 02-28-2017
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 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 1.99% APR for new vehicles, and 2.74% APR for used vehicles, inclusive of any applicable rate discounts. Payment example: a $15,000 auto loan at 1.99% APR requires 72 monthly payments of $221. If the amount financed is $20,000 or less, the maximum term is 72 months.|
1New vehicles include automobiles, trucks and vans that are current year or last year’s model, and have less than 6,000 miles. 2 Restrictions apply. Financing above 115% of the vehicle's Blue Book retail value (including tax, license, mechanical breakdown insurance (MBI), and GAP insurance, as applicable) will increase your interest rate by 1% APR. 3 First payment may be delayed up to 90 days after the loan is funded. Interest will start to accrue on the day the loan is funded and may increase the payment of the loan.
^Payments by phone can be accepted to all loans except First Mortgages. There is a $10 service charge for each payment made using the Payment by Phone service. Payments to your SkyOne loan cannot be made using your SkyOne credit card. The maximum payment amount using this service is $3,000. Please refer to the Fee Schedule and All in One Disclosure for complete details.
First time buying a car? We'll help you with the financing, even if you have little or no credit history.
Learn more about the in's and out's of car buying. Check out our Financial Fitness center, provided by BALANCE™.
Restrictions apply. Talk to a lending specialist at 800.421.7111 for complete details.
Sometimes you just need a break from your loan payments. So for a small fee*, we offer members a flexible option to “Skip" a payment on an eligible SkyOne loan or credit card once every 12 months.
From covering unexpected expenses to freeing up extra cash for an important project, Skip a Pay is another way we can help you take more control over your money.
1. Log into iSky® Online Banking.
2. Click on Manage My Account, and then Skip a Pay.
3. Select the loan payment to skip and the account to debit for the processing fee.
4. Submit the request, and you’re done!
Submit the Skip a Payment form online, 5 days prior to your payment due date.
*A $30 fee will be assessed for each eligible loan skipped. Your loan must meet the following conditions to be eligible for Skip a Pay: 1. All deferrals are subject to approval criteria established by SkyOne Federal Credit Union, which includes a review of your loan payment history for the last six consecutive months on all open loans and VISA® cards, and all loan(s) must be current (have no amounts past due). 2. Skip a Payment is not available for first mortgages, home equity loans and home equity lines of credit. Other loan product restrictions may apply. 3. Finance charges will continue to accrue at the rate provided in your original loan disclosures and agreements. 4. Deferring a payment will result in higher total finance charges than if you made payments as originally scheduled. 5. This payment will extend the term of your loan(s) and you will have to make an extra payment(s) after your loan(s) would otherwise be paid off. 6. You agree and are required to resume your regular payment schedule after the “skipped” month. 7. You can only skip one payment per loan every 12 months with this program. 8. To skip one consumer loan payment, a $30.00 fee will be automatically deducted from the share account you designate. If funds are not available in the designated share account, your skip-a-payment request will not be honored. 9. For members who have Guaranteed Asset Protection (GAP), claim coverage does not extend to the amount of payment(s) deferred. In addition, the coverage will not be extended beyond the original maturity date of the loan. 10. For members who have other insurance products attached to the loan, e.g. credit life, disability or debt protection, extending the life of the loan may void the insurance coverage. Refer to your specific insurance contract for terms, conditions and exclusions. 11. If the skip payment request is not submitted either verbally or via iSky five days prior to the due date, your skip a payment may not be fulfilled.
We take the job of protecting our member’s financial welfare seriously at SkyOne. That’s why we offer a comprehensive range of options to help you prepare for the unexpected.
Life is unpredictable. SkyOne Loan Protection provides peace of mind when you need it most.
In the event of death, disability or involuntary unemployment, your loan balance or monthly payments will be cancelled, and you can enjoy peace of mind knowing you and your credit rating are protected.
Consult with a representative at 800.421.7111 to choose the option that works best for you.
Your purchase of SkyOne Loan Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for SkyOne Loan Protection. This information will include a copy of the contract containing the terms and conditions of debt protection. There are eligibility requirements, conditions and exclusions that could prevent you from receiving SkyOne Loan Protection benefits. You should carefully read your SkyOne Loan Protection contract for a full explanation of the terms and conditions of the debt protection program.
|Loan Type||Maximum Term to Receive Coverage||Alert Me|
|RVs, Travel Trailers and Boats||240 Months|
SkyOne’s MBP can offer significant savings on extended warranty coverage when compared to dealer rates.
For a fraction of what auto dealers charge for similar coverage, you can protect your new and used vehicles from possible unforeseen mechanical issues. Get coverage details.
Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.
If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.
Get your free quote today or call 1-855-483-2149.
TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
Get instant answers on frequently asked questions
Didn't find what you are looking for?
By taking the time to properly plan and prepare for buying a car, you can save yourself hundreds of dollars. Learn how you can save by checking out these publications below.
BALANCE™ Financial Counseling
|Talk to a BALANCE Financial Counselor||Alert Me|
Monday - Thursday, 5 am - 8 pm PT
Friday, 5 am - 5 pm PT
Saturday, 8 am - 5 pm PT
BALANCE is a complimentary financial
Your conversation with a BALANCE