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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.


Become a Member

Are you ready to experience a better way to bank? Join today and see for yourself!

Join SkyOne

Refer and earn

Happy with SkyOne? Refer Franco to your friends and earn up to $500 in Amazon® gift cards.1

Refer Franco

Platinum Elite Card

A credit card that lets you choose your rewards from a variety of categories. Card details.2

Apply Now

Sky-High Savings

Earn 1.00%APY3 for 90 days with a limited time offer on Sky-High Savings. Promotion details.3

Apply Now

Minor Account

The perfect way to develop good savings habits for your kids. Click here for account details.4

Apply Now


Let’s fund your mission

Are you part of an organization that’s making an impact and needs funding? Do your members or employees need a lifelong financial partner to help them succeed? If so, we have what you need. Request more information about our organization accounts with the form below.

We’ll donate to your organization


Here’s how to get your donation:

new account icon

Fill the form or contact me to open your organizational account.

20 members icon

Have 20 of your organization members join SkyOne.

SkyOne donation icon

Your mission is now our mission with our donation of $1,000!

Tell me a bit about yourself, I'll reach out promptly.

If you already have an organization account with us, you're also eligible! Feel free to call me directly so we can discuss it.

"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

1Only 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.

2Membership is required.

Qualified Elite accounts earn an additional 2 bonus points per $1 in spend on qualified purchases in Travel (airfare, hotel/motel, car rental, cruise) and Supermarkets.  Qualified Elite accounts earn an additional 1 bonus point per $1 spent on qualified purchases in Restaurants/Bars and Gas. 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/Bar purchases include restaurants, food delivery services, and bars and excludes fast food. Qualified Supermarket purchases include grocery stores, excludes discount stores and wholesale clubs, and may exclude specialty food stores such as bakeries, meat provisioners, dairy product providers, and confectionery stores. Qualified gas purchases include purchases from eligible gas merchants. 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 an annual fee, and purchases made using certain types of wireless technology.

Restrictions 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.

APR=Annual Percentage Rate. Published Platinum Rewards Visa rates, terms, and conditions effective as of 11-01-2020 and are subject to change at any time. This information may have changed after that date. To find out what may have changed, call us at 800.421.7111. Rates, terms, and loan amounts are based your creditworthiness; all loans are subject to credit approval. The lowest APR offered above is the lowest rate possible for qualified borrowers and is subject to change without notice. Rate offered will not be lower than 10.00% APR, inclusive of any applicable rate discounts. Verification of income may be required. SkyOne reserves the right to terminate this offer at any time.

Transaction fees may apply. Balance Transfer Fee and Cash Advance Fee: 3% of the amount of each transaction. Annual Fee: $65.

Certain restrictions, limitations, and exclusions apply. For complete Visa® Benefits details, click here.

Visa® Signature is a registered trademark of VISA U.S.A. Inc.

3APY=Annual Percentage Yield. APY is accurate as of 04/01/2022 and is subject to change without notice. Promotional offer valid from 04/01/2022 through 05/31/2022. Offer applies to new Sky-High Savings Accounts funded from external financial institutions only. Deposit Requirement: 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 for three (3) consecutive months. 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 all accepted to fund your account each month. During the three (3) months, if there is no deposit of $1,000 or more credited to the account, the dividend rate, and APY will default to the current Sky-high Savings Account to the non-promotional 0.50% APY. Membership is required. Fees may reduce earnings. After the qualifying 90 days of account opening, the promotional introductory rate of 1.00% APY will revert to the 0.50% APY. Non-promotional rate is subject to change without notice. Please refer to our Schedule of Service Charges for additional information. 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.

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.

*Donation amount limited to $1000.00.