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Auto Refi Offer

Refinance your Auto Loan, get up to $200!*

Plus, no payments for 90 days!**

  • Change is good. It’s really good.

    Love your ride but not your payment? Refinance your Auto Loan with SkyOne and get up to $200!* Plus, no payments for 90 days!**

    Offer ends November 30, 2020.

    • Rates as low as 3.49% APR1 (terms up to 60 months)
    • Low monthly payments
    • Additional rates and terms available

    Who we are and what we’re about.

    Serving members is our passion. We’ve being doing this since 1949—that’s over 70 years!

    We have all the basics big banks offer, like online banking, a mobile app and a contact center. What is different from banks is you’ll have access to 66,000+ surcharge-free ATMs and 4,000+ Shared Branches, nationwide.

    When you bank with SkyOne, know you have a financial partner for life.

    Join today

*Refinancing of an existing SkyOne auto loan not eligible for this offer. Minimum loan amount to refinance is $10,000. Auto loan application must be submitted by November 30, 2020 and you must make two scheduled payments in order to receive this offer. Get $200: for loan amounts of $20,000 or more. Get $100 for loan amounts $10,000 to $19,999. Bonus credit will be deposited into applicant’s Primary Savings Account on the day after the second scheduled payment has been made. If auto loan is paid off within the first 90 days, this offer becomes null and void and credit is forfeited. Member responsible for applicable taxes and fees. Member must be in good standing, which means 1) no delinquent or charged off loans or charged off share accounts with SkyOne Federal Credit Union; and 2) You do not have a ChexSystems record with monies owed. SkyOne reserves the right to terminate this offer at any time. Go to for a complete list of terms and conditions. Proof of income is required. Offer may expire at any time.


**First payment may be deferred up to 90 days from the date of funding and is dependent upon when your loan closes. Interest accrues from date of funding. Offer valid on loans funded between October 1, 2020–November 30, 2020. This offer is not valid for loans greater than the vehicle’s value (which is lesser of the Kelley Blue Book retail value, MSRP or the purchase price), existing SkyOne loans, or other loan discount programs/promotions. Vehicle must be titled and registered in the state applicant resides. Other restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without notice. 3Restrictions apply. Financing above 115% of the vehicle’s Blue Book retail value (such as tax, license, and insurance) will increase your interest rate by 1.00%. Only valid for vehicles purchased within the contiguous United States, Alaska, and Hawaii; and only valid for vehicles purchased within the state where the vehicle will be registered.


1APR=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 offered will not be lower than 2.99% APR, and the lowest used vehicle rate offered will not be lower than 3.49% APR, inclusive of any applicable rate discounts. The advertised “as low as” APRs include a 0.25% AutoPay rate discount, which requires you to set up automatic payments (AutoPay) from your SkyOne Savings or Checking account. If AutoPay is cancelled at any time during the term of the loan, your 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. Estimated monthly payment: a $15,000 new vehicle loan at 2.99% APR for 60 months will have an estimated monthly payment of $269.51; a $15,000 used vehicle loan at 3.49% APR for 60 months will have an estimated monthly payment of $272.86. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.