Rates

Savings Account: *APY = Annual Percentage Yield. Rates are effective as of the last dividend declaration date. The rate is variable and may change after the account is opened. A $500 balance is required to earn dividends. Dividends posted and compounded Monthly. Fees may reduce earnings.

Sky-high Savings Account: *APY= Annual Percentage Yield. Dividends posted and compounded Monthly. Fees may reduce earnings. If you close your account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: The minimum balance required to open this account is $1.00. A deposit of $1,000 or more must post to your account(s) each month. The deposit can be posted to any share account (suffix) within the same account and can be in aggregate up to $1,000 or more. There are no restrictions on the type of deposit method. During the month, if there is no deposit of $1,000 or more credited to the account(s), the dividend rate and APY will default to the Regular Savings Account rate and APY disclosed on the current rate sheet.

PlatinumPay: *APY=Annual Percentage Yield. Dividends up to 0.05%. 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.

Paycheck Perks: *APY=Annual Percentage Yield. SkyOne rates and terms are accurate as of 07.23.2024 and are subject to change after the account is opened without notice. Rates are effective as of the last dividend declaration date. The rate is variable and may change after the account is opened. The minimum cumulative monthly direct deposit required to earn dividends is: $0.00 – $2,499.99 to earn 0.05% APY, $2,500.00- $4,999.99 to earn 4.00% APY, and any direct deposit of $5,000 or more to earn 5.00% APY. 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.

Fees may reduce earnings Please refer to the Fee Schedule and All in One Disclosure for complete details.

Money Market Account: *APY = Annual Percentage Yield. Rates are effective as of the last dividend declaration date. The rate is variable and may change after the account is opened. The minimum balance required to earn dividends is: 1. $2,500-$24,999.99 to earn 0.15% APY, $25,000-$49,999.99 to earn 0.25% APY, $50,000-$99,999.99 to earn 0.35% APY, $100,000-$249,999.99 to earn 0.45% APY, and $250,000+ to earn 0.45% APY. Dividends will be posted and compounded monthly. If your Average Daily Balance falls below $2,500, a $10 monthly fee will be assessed. Fees may reduce earnings.

Certificate Account: *APY= Annual Percentage Yield – APY on certificates assumes quarterly compounding. APY is slightly less for terms of less than 12 months. A $1,000 minimum balance and the minimum amount to open the Certificate is required, starting at a six-month term. The dividend rate will remain the same until the end of your term (even if balance exceeds the maximum amount in your current tier level). The maximum terms for certificates will be limited to 60 months. Rates are subject to change. Early withdrawal penalties apply.

In the event of withdrawal before your certificate term matures:

Certificates with terms from six months to one year are subject to a penalty equal to a loss of 90 days dividends; certificate terms greater than one year are subject to a penalty equal to a loss of 180 days dividends; dividends will be paid prior to imposing the penalty. Fees may reduce earnings on the account.

^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. The one-time rate increase only applies to certificates with terms of two years or longer.

Please refer to the Fee Schedule and All in One Disclosure for complete details.

To see Elan Credit Card Rates, visit our personal credit cards page and select the specific card you need the rate for.

Auto Loan Disclosures: *APR = Annual Percentage Rate. 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 above, inclusive of any applicable rate discounts. The advertised “as low as” APRs includes a 0.25% Auto Pay rate discount and 0.25% direct deposit discount. 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. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 84 month term would be $210.18. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.

Motorcycle Loan Disclosures: *APR: Annual Percentage Rate. 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 discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest new motorcycle rate and used motorcycle rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. If the amount financed is $10,000 or less, the maximum term for motorcycles is 72 months. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 72-month term would be $228.08.

Toy Loan (Airplanes, Boats and RVs) Disclosures: *APR: Annual Percentage Rate. 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 discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest new toy rate and used toy rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. If the amount financed is $20,000 or less, the maximum term is for 84 months. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $40,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $644.17.

Toy Loan Rates (Dirt Bikes, Jet Skis, Snowmobiles and ATVs) Disclosures: *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 discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. Dirt Bikes, Jet Skis, Snowmobiles and ATVs are financed as Signature loans. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 60-month term would be $253.93.

Personal Loan Disclosures: *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 discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 60-month term would be $253.93.

Line of Credit Disclosures: *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 discount, without rates will be 0.25% higher.

Please refer to the Fee Schedule and All in One Disclosure for complete details.

HELOC: ^*APR=Annual Percentage Rate. Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. Not all applicants will qualify for the lowest rate. 1) Maximum Credit Limit: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum Credit Limit: $10,000. 3) TRANSACTION REQUIREMENTS. The minimum credit advance that you can receive is $5,000.00 for the first advance. 4) RATE INFORMATION. The maximum Annual Percentage Rate that can apply to a Home Equity Line of Credit is 18%. Your Annual Percentage Rate will not go below 3% at any time during the term of the loan. 5) MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $161.04. 6) HELOC APR is variable. 7) Homeowners insurance is required. 8) Closing costs typically range from $1100 to $2500, depending upon the property’s location.

Home Equity Loan: ^*APR=Annual Percentage Rate. Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. Not all applicants will qualify for the lowest rate. 1) Maximum loan amount: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum loan amount: $10,000. 3) Payment example: a $50,000 Home Equity Loan with a 120-month term with a rate of 9.24% APR has a monthly payment of $639. All loans are subject to approval. Third party fees may occur. 4) Closing costs typically range from $1100 to $2500, depending upon the property’s location.

Equal Housing Lender