No Frills. Just Serious Yield.
4.50% APY*

Disclosure

Membership required.

SkyOne reserves the right to cancel this offer at any time.

APY = Annual Percentage Yield. The promotional dividend rate is 4.410%, with an Annual Percentage Yield (APY) of 4.50%. This offer applies to new money deposited into a Perk Central Account. New money is defined as funds transferred from outside of SkyOne. Rates are subject to change at any time, as determined by the Board of Directors.

¹QuickPay + Perk Central Bundle: A Perk Central account will automatically be opened with a new QuickPay account. The promotional rate is available to new SkyOne Federal Credit Union members and existing Skyone Federal Credit Union members without a payment/checking account who open both a QuickPay and Perk Central account between October 1, 2025, and December 31, 2025. Both accounts must remain open and active to qualify for the promotional rate.

²Direct Deposit Requirement: After account opening, the member has 30 days to set up cumulative direct deposits totaling at least $2,500 to earn the promotional rate. Direct deposits may be made to any share account within the membership.

The month in which the $2,500 minimum is first credited will be considered Month 1 of the five-month promotional period, during which the promotional dividend rate of 4.410% (4.50% APY) may apply. If the requirement is not met, the account will earn the dividend rate and APY for the Regular Savings, as disclosed on the current rate sheet.

A qualifying direct deposit is an electronic deposit of salary, pension, Social Security, or other recurring income through the Automated Clearing House (ACH) network to any share account (suffix) within the same membership. Transfers, mobile deposits, ATM deposits, or in-branch deposits do not qualify.

³Promotional Rate Earnings: The promotional dividend rate for Perk Central is 4.410%, with an Annual Percentage Yield (APY) of 4.50%. If the $2,500 minimum direct deposit requirement is not met in any given month, dividends will be paid at 0.05% for that month. If the requirement is met in a later month within the promotional term, the promotional rate will resume for the remaining months of the term. The promotional term is limited to five months and will not be extended if the requirement is missed in any month.

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. To earn the higher dividend rate, you must have a cumulative direct deposit of at least $2,500 within the first 30 days of opening your account. The promotional dividend rate will be effective once the cumulative direct deposit of $2,500 is met and will be applied that month.

Additional Deposits and Transaction Limitations: Additional deposits of new money may be made at any time. Internal transfers from existing SkyOne accounts do not qualify as new money and will be returned to the original share. During the promotional period, the $100,000 cap on deposits earning the higher rate is waived. After the promotional period, dividends will be paid at the then-current tiered rates.

⁴QuickPay

Rate Information: This is non-interest bearing account.

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

Monthly Service Fee: $0.00

Transaction Limitations: No transaction limitations apply to this account.

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.

Perk Central: Perk Central, a special savings account, will automatically be opened with QuickPay. No minimum balance is required to open this account.

Round Up: We round up the amount of any debit card purchase to the next whole dollar and transfer the difference from your checking account to your Perk Central account at day-end. If insufficient funds exist, no transfer occurs. Reversed or returned purchases refund only the original debit amount (round ups are not reversed). Round Up may be modified or canceled at any time without notice and is unavailable for business debit cards. Opt out anytime by contacting us at 800.421.7111, live chat at skyone.org, email memberservices@skyone.org or through this link.

⁵Early Payday: You must have direct deposit on your account to enjoy this service. Early arrival is based on the date your employer sends SkyOne the funds for your paycheck. The actual delivery dates may vary in the event of holidays and other occurrences and may be affected by the Same Day ACH Rule.

⁶Swipe Bonus: A minimum cumulative direct deposit of $2,500 on your account(s) is required to enjoy this service. If you make at least 25 debit card point-of-sale purchases of at least $1 each per month (combined, for joint account holders), excluding PIN-based transactions, $5.00 will be credited to your Perk Central account. We reserve the right to cancel or modify this bonus at any time without prior notice. Not available for business debit cards

Member in Good Standing: You must be a member in good standing (no loans delinquent >30 days, no charged-off loans/shares, no ChexSystems records, etc). See Member Conduct and Limitation of Services Disclosure for full details. Fees may reduce earnings. Refer to the Fee Schedule and All-in-One Disclosure for complete information.

Fees and Charges: For information on current fees, please see our Schedule of Service Charges.

Rates: For current rates after the promotional period, please visit skyone.org/rates.