Smart Money Moves: How to Spend with Purpose and Still Get Perks

Ever hear financial advice so simple and spot-on it makes you pause? A SkyOne member shared this gem from their child:

“Save money for what you need, not the things you want.”

At SkyOne, we believe smart money habits should start early—and evolve with you. That’s where Paycheck Perks comes in. It’s a program that helps you turn everyday spending into serious savings, without sacrificing the things that matter most.

What Is Paycheck Perks?

Paycheck Perks is free to join and built around one goal: help you spend smart and save automatically.

Here’s what you get:

• Round-Up Savings
  Every debit card purchase rounds up to the nearest dollar, and the spare change goes into your Perk Central account.
• Swipe Bonuses
  Earn rewards just for using your debit card.
• High-Yield Savings
  Perk Central earns an industry-leading 3.80% APY* (on balances up to $50,000).

How to Get Started

1. Open a Pay Account (QuickPay or PlatinumPay)
2. Set up Direct Deposit
3. Enroll in Paycheck Perks
4. Start saving automatically

Make Spending Intentional

Saying no to every treat or splurge? Not our vibe. Saying yes with purpose? That’s the move. Paycheck Perks helps you align your spending with your values—so your money goes further without going missing.

Open a Pay Account

Enroll in Paycheck Perks

Loved That Quote?

It inspired one of our favorite Instagram Reels — and if you haven’t seen it yet, it’s worth a quick watch.

Watch the Reel

Already follow us on Instagram? Thanks for being part of the SkyOne family. If not, join us @SkyOneFCU for more real advice, member stories, and everyday money wins.

*APY=Annual Percentage Yield. Earn 3.80% APY on balances up to $50,000 with $2,500+ in monthly direct deposit. No minimum balance to open. Membership required. Rates accurate as of 03.17.2025 and subject to change. Conditions apply. View full details here.