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4.00% APY*

With SkyOne Advantage Checking. Why settle when you can have a checking account that does it all and more.

Open Account Today

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Earn up to 50x the national average on your account balance1
  • Earn 4.00% APY* on daily balances up to $25,000
  • Earn 2.00% APY* on daily balances over 25,000 and above
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Get your money sooner

Why wait for payday? Get your pay check up to 2 days earlier with direct deposit.2

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Money Transfers with Zelle®

A fast, safe and easy way to send money to friends, family and people you trust.

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Bank on your time, not ours

Check balances and transactions, deposit checks, and more, 24/7 online or through our mobile app.3

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Nationwide Branches & ATMs

Enjoy over 30,000 surcharge-free ATMs and 4,000+ shared branches near you.

Even more member benefits:

  • Financial counseling with our trusted partner, BALANCE4
  • Financial webinars with our trusted partner, BALANCE4
  • Financial education for adults and children with our trusted partners, Everfi and Bite of Reality4

Why Credit Unions are better than banks

Credit Unions Banks
Owner ship Not-for-profit; owned by members of the credit union For profit; owned by select group of stockholders
Profits Earnings are returned to all members through better rates and fewer fees Profits go to select stockholders in the form of dividends
Rates Higher interest rates on deposit accounts Lower interest rates on deposit accounts
Fees Lower fees Higher fees
Access 66,000+ ATMs and 4,000+ shared branches nationwide 15,700+ branches combined (Wells Fargo, Chase, and Bank of America)
Insurance Insured up to $250,000 through the NCUA Insured up to $250,000 through the FDIC


Membership required.

Offer valid only for Dallas Fort Worth residents within ZIP codes 75001-76670.

*APY = Annual Percentage Yield. Rates are effective as of 05/22/2024. The rate is variable and may change after the account is opened. The minimum balance required to open this account is $20.00. You must maintain a minimum average daily balance of $2,500.00 in your account to obtain the disclosed annual percentage yield: Tier 1. $2,500-25,000.00 to earn 4.00% APY, Tier 2: $25,001 and above to earn 2.00% APY. Dividends posted and compounded monthly. Fees may reduce earnings on the account.

The Advantage Checking account has a monthly fee of $5. Monthly fee waived when one or more of the following conditions are met: Be 25 years of age or under. Be 65 years of age or over. Have an active VISA® credit card, or line of credit, including HELOC (activity is defined as carrying a minimum balance of $100 or more or making purchases totaling $100 or more each month). Have a current consumer loan, including mortgage loan (current is defined as the loan is not past due more than 31 days and the loan carries a balance). Have a minimum average daily share balance of $2,500. Have monthly aggregate deposits of $1,000 or more. Make a minimum of 10 debit card transactions.

1Up to 50X the national average of 0.08% APY is based on the national average of checking account rates published in FDIC Weekly National Rates and Rate Caps accurate as of May 15, 2024.

2You must have direct deposit on your account to enjoy this 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 and may be affected by the same Day ACH Rule.

3Carrier message and data rates may apply.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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 1St 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.

Click here to view Cetera Investment Services Important Information, Privacy Policy and Business Continuity Plan.

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

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