Thanks a billion!

Disclosure

Membership required.

*Offer valid now through April 30, 2024. Sweepstakes eligibility: 1) A new SkyOne membership is required. 2) Advantage Checking and direct deposit are required. 3)Must have three (3) qualifying direct deposits of $1,000 or more each for 3 consecutive months to be eligible for drawing entry. The first direct deposit must be made within the first 30 days of account opening to be eligible for drawing entry. Offer subject to change without notice and may end at any time. Drawing entries will be certified and two (2) eligible winners will be chosen by random computerized drawing on August 1, 2024, and winners notified via phone call or email by August 2, 2024. Two (2) winners will receive an amount that equals one of their qualifying direct deposits up to $2,000 deposited directly into their SkyOne Advantage Checking account or an electronic gift card. Credits of $600 or more must be reported on a tax form 1099-MISC. The sweepstakes is open only to legal residents of the United States who are eighteen (18 ) years of age or older at the time of entry. For the full official sweepstakes rules and disclosures please visit: Match On Us Rules page.

This offer is intended for new checking accounts only. You are not eligible for this offer if you are the current owner of a SkyOne Advantage Checking Account. Advantage Checking account earns dividends of .05% Annual Percentage Yield if balance requirement is met. A $2,500 balance is required to earn dividends. Rates are effective as of the last dividend and declaration date. The rate is variable and may change after the account is opened. Dividends posted and compounded monthly. A qualifying direct deposit is a direct deposit of your salary, pension, Social Security, or other regular monthly income, electronically deposited through the Automated Clearing House (ACH) network to this checking account. Transfers from one account to another, mobile deposits, or deposits made at a banking location or ATM do not qualify.

¹Savings Rate as of 12/22/2023 is 0.05% APY. APY=Annual Percentage Yield. 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.Please refer to the Fee Schedule and All in One Disclosure for complete list of terms and conditions.

²Sky-High Savings Rate as of 12/22/2023 is 1.00% APY. APY= Annual Percentage Yield. SkyOne rates and terms are subject to change after the account is opened without notice. Compounding and crediting: Dividends will be compounded every month. Dividends will be credited to your account on the last day of each month. 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. 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. This account offers a set dividend rate of 1.00% with an Annual Percentage Yield (APY) of 1.00%. Dividends will be paid to the Sky-high Savings Account at a 1.00% rate with an APY of 1.00% provided a deposit of $1,000 or more is posted to your account each month. The deposit can be posted to any share account (suffix) within the same account to obtain the disclosed APY. There are no restrictions on the type of deposit method; direct deposit, remote check deposit, external transfers, ACH, etc. are accepted to fund your account each month. During the month, if there is no deposit of $1,000 or more credited to the account, the dividend rate and APY will default to the Regular Savings Account APY and APY disclosed on the current rate sheet. Average daily balance computation method: Dividends are calculated by 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. Fees and charges: Fees may reduce earnings. Savings and Money Market accounts have a maximum of six withdrawals or outgoing transfers per month. Please refer to the Fee Schedule and All in One Disclosure for complete list of terms and conditions.

³Advantage Checking Rate as of 12/22/2023 is 0.05% APY. APY = Annual Percentage Yield. Rates are effective as of the last dividend and declaration date. The rate is variable and may change after the account is opened. A $2,500 balance is required to earn dividends. Dividends posted and compounded monthly. Fees may reduce earnings on the account. Please refer to the Fee Schedule and All in One Disclosure for complete list of terms and conditions. The Advantage Checking account has a monthly fee of $5. To avoid the monthly fee, members must meet at least one requirement, each month. Select here, to see the options you have available to waive the $5 monthly fee. You must have direct deposit on your account to enjoy the Early Pay Check service. Early Arrival is based on the date that your employer sends SkyOne the funds for your paycheck. The actual delivery dates may vary in the event of holidays and other occurrences.

⁴SkyOne member benefits are provided by third parties, not by SkyOne or its affiliates. Providers may pay royalty fees to SkyOne for the use of its intellectual property. Some provider offers are subject to change and may have restrictions. Please contact the provider directly for details.

⁵Check the background of this investment professional on FINRA’s BrokerCheck

Located at: (400 1^St Street South, St. Cloud, MN 56301 320-656-4300)

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

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This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com

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