Perk Central

Perk Central:

Eligibility: To be eligible for dividend rates higher than 0.05%, you must qualify for and have an open checking/payment account and meet the qualifying direct deposit requirements. If the minimum direct deposit requirement is not met during a dividend period, the account will earn the Regular Savings Account APY disclosed on the current rate sheet for that dividend period.

Rate Information: The dividend rate and Annual Percentage Yield (APY) may change at any time as determined by the Credit Union’s Board of Directors.

Dividends will be paid at the applicable dividend rate corresponding to the disclosed APY. This is a tiered-rate account.

Qualifying Direct Deposit Requirement: A minimum cumulative monthly direct deposit of $2,500 is required to earn the maximum dividend rate on balances between $0.00 and $100,000. Direct deposit means an electronic deposit of payroll, pension, Social Security, or government benefits made through the Automated Clearing House (ACH) network, Real Time Payments (RTP) network, or person-to-person (P2P) network transfers. Internal account transfers, ATM deposits, mobile deposits, and wire transfers do not qualify.

The maximum balance eligible for the standard Perk Central rate is determined by your qualifying direct deposit activity and Paycheck Perks Program tier, when applicable.

Members meeting the standard payment account and direct deposit requirements may qualify for the standard Perk Central rate on balances up to $100,000. Members enrolled in Paycheck Perks who qualify for the Advantage or Ultimate tiers may receive the applicable standard Perk Central rate on balances up to $250,000. Any portion of the balance exceeding the applicable cap will earn the Regular Savings Account dividend rate and APY in effect at that time.

Eligible balances within the applicable standard-rate balance cap: 3.00% APY

Corresponding Dividend Rate: 2.96%

Balances exceeding the applicable standard-rate balance cap: 0.05% APY

Corresponding Dividend Rate: 0.05%

The APYs disclosed are accurate as of November 10, 2026. Rates are variable and may change after account opening without notice. For current rates, visit skyone.org/rates.

Minimum Balance Requirements: The minimum balance required to open a Perk Central account is $1.

Average Daily Balance Computation Method: Dividends are calculated using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the account balance for each day of the period and dividing the result by the number of days in the period. The period we use is the monthly dividend period.

Dividend Period: For this account type, the dividend period is monthly. For example, if the beginning date of the first dividend period of the calendar year is January 1, the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above, is January 31. You will not receive the accrued dividends if you close your account before dividends are paid.

Compounding and Crediting: Dividends will be compounded monthly and credited to your account on the last day of the month.

Maximum Deposits Allowed: While there is no maximum balance limit in the Perk Central account, the maximum balance eligible for the standard Perk Central dividend rate depends on the applicable Paycheck Perks tier and qualifying account requirements.

• Essential: Less than $2,500 in monthly qualifying direct deposits. Not eligible for the higher Perk Central dividend rate.
• Select: $2,500 to $4,999.99 in monthly qualifying direct deposits. Eligible balance cap of $100,000.
• Advantage: $5,000 to $9,999.99 in monthly qualifying direct deposits. Eligible balance cap of $250,000.
• Ultimate: $10,000 or more in monthly qualifying direct deposits. Eligible balance cap of $250,000.

Balances above the applicable cap will earn the Regular Savings Account dividend rate and APY disclosed on the current rate sheet.

Paycheck Perks tiers are determined at the end of each month based on the total amount of qualifying direct deposits received during that month. Direct deposits may be made into any share account within the membership. Changes in direct deposit activity may increase, reduce, or eliminate Program benefits in future months.

5-Month Introductory Offer

Annual Percentage Yield (APY) and Rate Information:

Introductory APY: 5.00% APY

Corresponding Dividend Rate: 4.889%

The introductory APY is variable and may change or be discontinued without notice for future accounts. During the introductory period, there is no maximum balance limit for funds earning the introductory APY. After the introductory period, balances above the applicable balance cap, based on the member’s Paycheck Perks tier, will earn the applicable standard tiered APY.

Introductory Rate Eligibility: The introductory Perk Central Annual Percentage Yield (APY) is available only when all of the following conditions are met:

• You are enrolled in the Paycheck Perks Program;
• You have an eligible payment/checking account;
• You maintain at least $2,500 in qualifying monthly direct deposits; and
• You open a new eligible Perk Central account.

Enrollment in the Paycheck Perks Program is required to receive the introductory rate. Members who do not enroll are not eligible for the introductory APY, even if they otherwise meet the payment account and direct deposit requirements.

Qualifying Direct Deposits: Direct deposit means an electronic deposit of payroll, pension, Social Security, or government benefits made through the Automated Clearing House (ACH) network, Real Time Payments (RTP) network, or person-to-person (P2P) network transfers. Internal account transfers, ATM deposits, mobile deposits, and wire transfers do not qualify.

SkyOne reserves the right to determine whether a deposit qualifies as a direct deposit for Program purposes.

Introductory Offer Information: The introductory offer applies to new money deposited into a new eligible Perk Central account. New money is required for introductory rate eligibility. Only one introductory Perk Central promotion is permitted per membership.

Introductory Term: The introductory APY is available for up to five (5) consecutive months starting the month the following conditions are met:

• You are enrolled in Paycheck Perks;
• You have an eligible payment/checking account; and
• You open a new eligible Perk Central account.

The introductory period expires at the end of the fifth calendar month after the qualification conditions are met. Any partial opening month counts as the first month of the promotional period.

You will receive the introductory rate for every month the minimum direct deposit requirement is met. If the required minimum monthly direct deposit is not met at any time during the introductory period, the Perk Central account will earn the Regular Savings Account APY shown on the current rate sheet for that month.

If the required minimum monthly direct deposit is met again during the introductory period, the introductory rate will resume. However, the introductory period will continue to end on the original expiration date and will not be extended due to any month in which the minimum direct deposit requirement was not met.

After the introductory period, the account will earn the applicable standard rate in effect at that time, subject to the applicable Paycheck Perks tier, direct deposit requirements, and balance cap.

Important Limitations:

• New money is required for introductory rate eligibility.
• Only one introductory Perk Central promotion is permitted per membership.
• Failure to meet qualifying requirements may result in loss of the introductory APY.
• Once the introductory period ends, the account will earn the applicable standard rate in effect at that time.
• APYs are variable unless otherwise stated and may change at any time without notice.

Additional Deposits and Transaction Limitations: Additional deposits of new money may be made at any time during the introductory period, subject to the new-money eligibility requirement.

Average Daily Balance Computation Method: Dividends are calculated using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly dividend period.

Compounding and Crediting: Dividends will be compounded and credited monthly.

Fees and Charges: For information on current fees, refer to the Schedule of Service Charges for full details. Fees may reduce earnings.

Rates: For current rates after the introductory period, please visit our rates page.

Round-Up:

Round Up will be available with all payment/checking accounts. You may opt in or opt out of Round Up at anytime, including at the time of opening a new membership with a payment/checking account.

When you enroll in our Round Up program, we round up the amount of any debit card purchase by you or a joint owner of your payment/checking account to the next whole dollar amount. We then transfer the excess amount of the purchase from your payment/checking account to your Perk Central savings account. If you do not have a Perk Central account, round-ups will be transferred to your Primary Savings account.

The sum of all round-ups from debit card purchases will be transferred at the end of the day to the Perk Central or Primary Savings account. If there is more than one payment/checking account share on the account with debit card purchases, one transfer will occur from each checking account share to the Perk Central or Primary Savings account. If you do not have sufficient funds to transfer the sum of all Round Up amounts, no transfer will occur. Only the actual debit amount will be posted. If a purchase made with your debit card is reversed or returned, only the original debit amount will be refunded. You will not see a reversal of the Round Up amount.

To qualify for Round Up, you must be eligible for a payment/checking account and debit card. We may cancel or modify the Round Up program at any time without prior notice. Round Up is not available for business debit cards. You may opt out of the Round Up program at any time by contacting us at 800.421.7111, live chatting with us at www.skyone.org, or emailing us at memberservices@skyone.org.

Paycheck Perks:

This disclosure describes the Paycheck Perks Program (“Program”), an optional rewards program offered by SkyOne Federal Credit Union (“SkyOne,” “we,” “our,” or “us”).

Paycheck Perks is a rewards program that offers eligible members enhanced account benefits based on the amount of qualifying direct deposits received each month and participation in the Program.

Program benefits may include:

• Enhanced Perk Central savings account benefits
• Increased deposit balance limits eligible for premium rates in Perk Central
• Certificate rate enhancements
• Home Equity (HE) Loan and Home Equity Line of Credit (HELOC) closing cost credits

Benefits vary based on your qualifying direct deposit activity and Program tier. Enrollment alone does not guarantee eligibility for all benefits.

Enrollment Required

You must enroll in Paycheck Perks to receive Program benefits. Members who do not enroll will not receive Paycheck Perks benefits, even if they otherwise meet direct deposit requirements. Members currently enrolled in Paycheck Perks will remain enrolled unless they choose to opt out or cancel the program.

Eligibility Requirements

To participate in Paycheck Perks, you must:

1. Be a consumer member of SkyOne Federal Credit Union.
2. Maintain an eligible payment account with SkyOne.
3. Enroll in the Program.
4. Receive qualifying direct deposits as described below.

Business accounts are not eligible.

Qualifying Direct Deposit Requirement: A minimum cumulative monthly direct deposit of $2,500 is required to earn the maximum dividend rate on balances between $0.00 and $100,000. Direct deposit means an electronic deposit of payroll, pension, Social Security, or government benefits made through the Automated Clearing House (ACH) network, Real Time Payments (RTP) network, or person-to-person (P2P) network transfers. Internal account transfers, ATM deposits, mobile deposits, and wire transfers do not qualify.

SkyOne reserves the right to determine whether a deposit qualifies as a direct deposit for Program purposes.

Program Tiers

Your Program tier is determined monthly based on the total amount of qualifying direct deposits received during the applicable month.

Perk Central Standard APY
Tier	Eligible Balance	APY
Select	Up to $100,000	3.00%
Advantage	Up to $250,000	3.00%
Ultimate	Up to $250,000	3.00%

Complete Tier benefits can be reviewed on the Paycheck Perks page.

Tiers are determined at the end of each month based on the total amount of qualifying direct deposits received during the month. Changes in your direct deposit activity may increase, reduce, or eliminate Program benefits in future months. Direct deposits may be made into any share account within the membership.

*Balances above the applicable cap earn the standard rate disclosed in the Perk Central Account Disclosure.

**Certificate bonuses apply only to eligible regular and IRA certificates funded with new money and do not apply to promotional, special, or flex Certificates. Certificate benefits are determined at account opening and remain in effect for the certificate term.

***Loan approval, underwriting requirements, and eligibility conditions apply. Benefits cannot be combined with other closing cost promotions. The greater available benefit will be applied.

Perk Central Benefits

Introductory Rate Eligibility

The introductory Perk Central Annual Percentage Yield (APY) is available only when all of the following conditions are met:

• You are enrolled in Paycheck Perks;
• You have an eligible payment/checking account;
• You maintain at least $2,500 in qualifying monthly direct deposits; and
• You open a new eligible Perk Central account.

The introductory APY currently offered is 5.00% APY, with a corresponding dividend rate of 4.889%, and is subject to change or discontinuation without notice for future accounts. During the introductory period, there is no maximum balance limit for funds earning the introductory APY. After the introductory period, balances above the Balance Cap, based on tier, will earn the applicable standard tiered APY.

Introductory Term

The introductory APY is available for up to five (5) consecutive months starting the month the following conditions are met:

• You are enrolled in Paycheck Perks;
• You have an eligible payment/checking account; and
• You open a new eligible Perk Central account.

The introductory period expires at the end of the fifth calendar month after the qualification conditions are met. Any partial opening month counts as the first month of the promotional period.

You will receive the introductory rate for every month the minimum direct deposit requirement is met. If the required minimum monthly direct deposit is not met at any time during the introductory period, the Perk Central account will earn the Regular Savings Account APY shown on the current rate sheet for that month.

If the required minimum monthly direct deposit is met again during the introductory period, the introductory rate will resume. However, the introductory period will continue to end on the original expiration date and will not be extended due to any month in which the minimum direct deposit requirement was not met.

Important Limitations

• New money is required for introductory rate eligibility.
• Only one introductory Perk Central promotion is permitted per membership.
• Failure to meet qualifying requirements may result in loss of the introductory APY.
• Once the introductory period ends, the account will earn the applicable standard rate in effect at that time.
• APYs are variable and may change after account opening without notice.

Current rates and account disclosures are available on our Rates page.

Certificate Benefits

Members who qualify for Advantage or Ultimate tiers may be eligible for a certificate APY increase on eligible regular share certificates and IRA certificates funded with new money. The bonus rate is determined at certificate opening and will remain in effect for the certificate term, even if your Paycheck Perks tier changes later.

Promotional, special, and flex certificates are not eligible unless specifically disclosed. No additional bump-up on 2-5 year certificates can be applied.

Home Equity Benefits

Members who qualify for Advantage or Ultimate tiers may be eligible for a closing cost credit when opening an eligible Home Equity Loan or Home Equity Line of Credit (HELOC).

If another promotion provides a greater benefit, SkyOne will apply the promotion that provides the larger benefit. Promotions may not be combined.

Participation in Paycheck Perks does not guarantee loan approval. Credit approval, underwriting standards, and all other loan requirements continue to apply.

Benefit Timing

Program tiers are evaluated monthly based on qualifying direct deposit activity for the applicable calendar month. Changes in direct deposit activity may increase, reduce, or eliminate future benefits.

Benefits associated with certificates and loans are determined at account opening and generally will not change during the certificate term or loan process, even if your Program tier changes later.

Fees

There is no fee to enroll in or participate in the Paycheck Perks Program.

Standard account, service, loan, and certificate fees continue to apply as disclosed in applicable account agreements and Schedule of Service Charges.

Right to Change or Terminate the Program

SkyOne reserves the right to:

• Modify Program requirements,
• Change tiers,
• Change benefits,
• Change rates,
• Suspend enrollment, or
• Terminate the Program

at any time, subject to applicable law and regulatory requirements. Any changes that legally require advance notice will be provided as required by law.

Cancel the Program

You may cancel your enrollment in Paycheck Perks at any time by contacting SkyOne:

• By phone at 800-421-7111
• Through online banking secure message
• Through online chat
• In person at a branch
• Through other methods made available by SkyOne

Canceling may result in the loss of Program benefits.

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