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0% Promotional APR on Balance Transfers*

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Transfer balances before April 30, 2021, and take advantage of a low 0% promotional APR on transferred balances through April 30, 2022.*

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  • Switch to SkyOne and Save

    Free yourself from high-interest credit card debt with a 0% balance transfer to one of our SkyOne Credit Cards.

    With a 0.00% APR* that carries through 4/30/2022 you’ll have the flexibility to pay off your balance and enjoy the benefits that our card suite offers.

    Platinum Elite Visa® Signature Card

     

    The ability to choose your rewards from a variety of different categories. Choices include Amazon, restaurants, fast food, grocery stores, hardware stores, gas stations, book stores, pet stores, and many more. That’s your life rewarded, your way.

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    Platinum Rewards Visa® Card

     

    Earn 1.5X rewards on travel, restaurants, and bars. Additionally, earn 1 point for each $1 spent on qualifying purchases.3

    Plus, starting January 1, 2021, select your own rewards in our Choice Rewards program2

    Apply Now

    View full card details.

    Classic Visa® Card

     

    A unique opportunity to earn an automatic APR reduction as low as 7.00% APR.4

    Apply Now

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Questions? Talk to an expert. 800.421.7111

Disclosures

Interest Rates and Fee Information

Rates Effective as of: 04-21-2021

Promotional Annual Percentage Rate (APR) for Balance Transfers0% (Promotional APR through your billing cycle that ends in 04/30/2022) When the promotional period(s) on the date(s) listed above ends, any unpaid balance will revert to your contract APR for purchases. If you have a variable-rate Visa® credit card product, the rate will vary based on the Prime Rate plus a margin.**
Use By DateFor the promotional APR(s) and/or Fee to apply, transactions must post by 04/30/2021. Transactions that post after 04/30/2021 will not be eligible for the promotional APR.
Balance Transfer Fee3% of the amount of each transaction
Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

This information is accurate as of January 15, 2021, and is subject to change after this date without notice.

 

How we will calculate your balance: Average daily balance (including new purchases/transactions).

 

**Variable APRs are based on the Prime Rate index and a margin. The Prime Rate Index is the highest prime rate published in the Wall Street Journal on the last business day of each month. As of January 15, 2021, the Prime Rate was 3.25%. The margin ranges from 6.75% to 14.75% and is based on your creditworthiness at the time of application. The maximum APR is 18.00%. SkyOne Federal Credit Union is an equal opportunity lender.

 

APR=Annual Percentage Rate. APR quoted is the lowest possible for qualified borrowers. Balance transfers must be made to other lenders by a SkyOne Representative. Cash advance, convenience check, and purchase transactions are not eligible for promotional APR. Promotional balance transfer APR is applicable to fixed and variable rate consumer SkyOne Visa Credit Cards. Business Visa Credit Cards are not eligible for the promotion. Interest will be charged from the transaction date. Balance transfers cannot be made from a SkyOne Visa Credit Card to another SkyOne loan or credit card. Transfers must be posted to your credit card balance by April 30, 2021, to be eligible for the promotion. Promotional offer may end at any time without notice. Not valid with any other offers.

 

Membership is required.

 

2Restrictions apply. Balance transfers, check requests, convenience checks and overdraft protection do not earn Cloud9 Rewards points, and are all subject to terms and conditions of cash advances. For complete Cloud9 Rewards Program Terms and Conditions, click here.

 

3Restrictions apply. Balance transfers, check requests, convenience checks and overdraft protection do not earn Cloud9 Rewards points, and are all subject to terms and conditions of cash advances. For complete Cloud9 Rewards Program Terms and Conditions, click hereloyalty-rewards-terms-and-conditions.

Qualified Platinum Rewards accounts earn an additional .5 bonus point per $1 in spend on qualified purchases in Travel (airfare, hotel/motel, car rental, cruise) and Restaurant/Bars.  Bonus points are in addition to daily reward points of 1 point per $1. A qualified account must be open and in good standing at the time earned bonus points are credited. Qualified Restaurant/Bars purchases include restaurants, food delivery services, and bars. Excludes fast food. Spending cap of $7,500 per quarter for bonus rewards. Qualified Elite accounts earn 1 point per $1 after $7,500 is spent in qualified categories.

SkyOne is not responsible for merchant codes that do not allow us to capture the information needed to award bonus points. Visa determines the industry category and code for merchants, generally based on the merchant’s line of business. A purchase will not earn promotional points if the merchant’s category code is not an eligible category for the promotion. Some transactions do not qualify for points, including balance transfers, cash advances, fees including annual fee, and purchases made using certain types of wireless technology.

 

4Your APR will be reduced by 0.25% if you make three minimum balance payments by the required due date within a consecutive period and you make a total of $300 in Point of Sale (POS) purchases within a consecutive period. A consecutive period is defined as follows: a three-month timeframe [e.g. (January, February and March) or (February, March and April)]. If a payment(s) is/are not made by the required due date during any month within a consecutive period, a “new” consecutive period is initiated.  For example, if you do not make a payment by the required due date or if you do not make a total of $300 in Point of Sale (POS) purchases in January, but meet all payment and purchase requirements in February, March and April, you will still qualify for the 0.25% APR reduction. If you meet all payment and purchase requirements in January, February and March, you will qualify for the 0.25% APR reduction.  You can still qualify for the additional 0.25% APR reduction if you meet the payment and purchase requirements in April, May, and June. These 0.25% APR reductions will continue to occur if you meet all payment and purchase requirements until you reach the maximum achievable 7.00% APR. During one calendar year you may earn up to four 0.25% APR reductions totaling a 1% APR reduction. The maximum achievable APR with these 0.25% APR reductions is 7.00%. The Automatic APR Reduction does not apply to any promotional rate offers. Point of Sale (POS) purchase requirements do not include ATM transactions, cash advances, or balance transfers