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Personal Loans

About

A personal loan may be used for any reason: running low on cash, consolidating debt, buying a laptop, or taking a vacation. Plus, we offer a number of affordable solutions for you.

Signature Loan

  • A traditional closed-end loan at a low non-variable rate
  • Great for building credit

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  Rates Effective 04-25-2017

Signature Loan Rates

Rate Rate Type Loan Amount Term Alert Me
9.24% APR* Fixed $500 - $3,000 Up to 24 months
9.24% 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 8.99% APR and 60 month term requires a monthly payment of $208.
 

SkyOne Line of Credit

  • Great for Overdraft Protection
  • Access funds through iSky Online Banking or by writing a check

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  Rates Effective 04-25-2017

SkyOne Line of Credit Rates

As Low As Rate Type Credit Limit Alert Me
8.99% APR* Variable $500 - $50,000
11.74% 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.
 

^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.

Loan Protection

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.

  • Coverage fee built into your monthly loan payment for as low as a few dollars a month
  • Test drive SkyOne Loan Protection for 30 days for free (If you'd like to cancel your protection within the first 30 days, we'll refund any fees already paid)
  • Cancel your Loan Protection at any time

Get your coverage. Give us a call at 800.421.7111.

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.

Skip a Payment

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.

  • Skip a payment on credit cards and consumer loans
  • Send us your request at least 5 days before your loan payment is due

Two easy ways to skip a payment

  • Skip a payment in iSky® Online Banking

    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!

    Skip a payment in iSky Online Banking



*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.

FAQs

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Financial Fitness

Talk to a BALANCE Financial Counselor

We care about your financial wellness. That's why we've partnered with industry-leading BALANCE to provide you access to free and confidential financial counseling and education.. And should you need, BALANCE can assist with confidential, no-cost financial counseling services to help you develop a sensible budget managing spending and debt. For all your financial life stage changes and more, we—in partnership with BALANCE—are here to help.

 Call 888.456.2227Visit BALANCE.org

Monday - Thursday, 5 am - 8 pm PT | Friday, 5 am - 5 pm PT | Saturday, 8 am - 5 pm PT

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WOW!

I have given a token of thanks once before , but , WOW! Nicole in New York is tuly AMAZING! I am loving this CU & loving Nicoles willingness to want to HELP! Def looking forward to referring my Family!

Posted By: William P
525 days 6 hrs 41 mins 5 secs ago
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Outstanding !!!

i love SkyOne FCU. Outstanding service in person or on the phone provided. Imobile is easy to use and very handy on the road. SkyOne website is well secured, easy to follow with OUTSTANDING offers and account access.

Posted By: Wayne Armstrong
860 days 5 hrs 1 min 5 secs ago
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