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Franco Ayala's Headshot

Hi! I'm Franco, your SkyOne Concierge

Serving members is our passion, and we’re here for the long run. Since 1949, we’ve provided members the financial tools and guidance they need to fund important milestones and save for the future. I'm here to help!

Call me at 424.567.9985 or email me at EAyala@SkyOne.org or click here to set an appointment.

Personal

Become a Member

Ready to experience a better way to do money? Join today and see for yourself!1
Join SkyOne

Sky-High Savings

Earn an industry high-yield of 1.00% APY2 with a Sky-High Savings Account2
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Share Certificates

Go Short, go long, or do it all with our flexible and high APY Share Certificates!3
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Minor Account

Develop good savings habits and a healthy financial foundation for your loved ones.4
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Credit Card Promo

Get rewarded for your everyday purchases, EVERY DAY! with Platinum Elite or Rewards5
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Refer and earn

Refer Franco to your friends and earn up to $500 in Amazon® gift cards.6
Refer Franco

Business

Business Account

Whether you have a small, mid, or large business, we have the banking experience you need to thrive and grow into the next level of your business.
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Affinity Credit Card

Get a branded credit card for your loyal customers. This is a consumer credit card that your business can offer to customers. This is not a business credit card.
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Mission Fund

Your mission is our mission. See how to take advantage of you organizational account and get $1,000 in funding for your organization from us.7
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NATCA

NATCA Locals

Need to update signers or do other simple transactions with SkyOne? We have all the resources you need.
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NATCA Members

Ready to experience a better way to do money? Join today and see for yourself!1
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CA PTA

CA PTA Leader

Do you lead a CA PTA Unit? Tired of having to show up at a bank to make changes? See how easy it is to switch with us.
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CA PTA Members

Are you a CA PTA Unit Member with SkyOne as its financial institution? See what benefits you get from us!
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"SkyOne has always been amazing to work with... the entire team have been so professional and nothing short of extraordinary! I highly recommend SkyOne."

Tony Y., member since 1999

Membership is required.

1,4APY = Annual Percentage Yield. Rates are effective as of the last dividend declaration date. 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 details.

2APY= Annual Percentage Yield. SkyOne rates and terms are accurate as of 06.01.2022 and are subject to change after the account is opened without notice. Comparison bank rates accurate as of 06.01.2022. 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, 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 on the account. Please refer to our Schedule of Service Charges for additional information about charges. As required by Regulation D (Federal Reserve Board’s requirements for depository institutions), Savings and Money Market accounts have a maximum of six withdrawals or outgoing transfers per month. To learn more about this requirement, please refer to the Truth in Savings section of our All in One Disclosure.

3APY=Annual Percentage Yield. Minimum deposit to earn the advertised APY is $1,000. Offer applies to new share certificates only and is subject to change without notice. APY is accurate as of 06/07/2022 and is subject to change without notice. Dividends will be compounded and credited to your account quarterly. Early withdrawal penalties apply. Fees may reduce earnings on the account. Please refer to the All in One Disclosure for complete details. If our certificate rates go up any time during the original term of your certificate, you may request a one-time rate bump (increase) for the remainder of the original term by notifying SkyOne. The one-time rate increase only applies to certificates with terms of two years or longer.

5For more information visit https://www.skyone.org/2xrewards/

6Only current SkyOne Federal Credit Union members ages 18 years and older are eligible to refer and receive a total of $500 in annual “referrer cash bonuses.” The referring member will receive a $25 gift card for each valid referral, as noted below, with a limit of 20 referrals (or $500) paid out per member per year. A valid referral requires an individual who: 1) meets SkyOne’s membership requirements; 2) opens a new membership at SkyOne through an in-person representative OR online; 3) deposits the minimum opening balance amount of $5; 4) maintains the new account in good standing (to view definition of “Good Standing” view All-In-One, Addendum Effective 1/19/2019) for a period of thirty (30) days; and 5) maintains good standing with the Credit Union as a member for a period of thirty (30) days. Offer subject to change without notice and may end at any time. APY=Annual Percentage Yield. Rates are effective as of the last dividend declaration date. 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 details. All account terms and conditions apply. Member will be sent a virtual Amazon® Gift card. Restrictions apply, see amazon.com/gc-legal for gift card terms. Amazon is not affiliated with and is not a sponsor of this promotion.

7Donation amount limited to $1000.00.