Auto Loans

Table data for Auto Loan Rates
 Rates Effective 12-16-2018
If your credit is New Vehicles As Low As Used Vehicles As Low As Alert Me
Excellent 2.49% APR* 3.24% APR*
Great 2.99% APR* 3.74% APR*
Good 3.99% APR* 4.74% APR*
Needs Improvement 7.74% APR* 8.49% APR*
Blemished 14.99% APR* 15.74% APR*

*APR=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 2.49% APR, and the lowest used vehicle rate offered will not be lower than 3.24% 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 72 months for new and used vehicles; minimum amount financed is $2,500. Estimated monthly payment: a $15,000 new vehicle loan at 2.49% APR for 72 months will have an estimated monthly payment of $224.50; a $15,000 used vehicle loan at 3.24% APR for 72 months will have an estimated monthly payment of $229.52. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.

Platinum Visa®

Table data for Platinum Rewards Visa Rates
 Rates Effective 12-16-2018
APR* As low as Credit Limit Rate Type Alert Me
12.25% $2,500 - $50,000 Variable Receive a notification when this rate changes
12.99% $2,500 - $50,000 Non-Variable Receive a notification when this rate changes
*APR=Annual Percentage Rate. The regular rates include a 0.25% Autopay (automatic payment) discount. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Balances transferred from an existing SkyOne loan are not eligible for the introductory rate. Balance transfers, check requests, convenience checks and overdraft protection do not earn SkyOne Platinum Visa Travel Rewards points, and are all subject to terms and conditions of cash advances. Platinum Rewards Visa Terms and Conditions.

Classic Visa®

Table data for Today's Classic Visa Rates
 Rates Effective 12-16-2018
APR* as Low As Amount Rate Type Alert Me
13.75% $1,000-$5,000 Variable Receive a notification when this rate changes
14.49 % $1,000-$5,000 Non-Variable Receive a notification when this rate changes
*APR: Annual Percentage Rates. Rates and terms are subject to change without notice. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Advertised rates include a 0.25% AutoPay (automatic payment) discount. Classic Visa Terms and Conditions.

Savings Secured Classic Visa®

Table data for Today's Savings Secured Visa Rates
 Rates Effective 12-16-2018
APR* as Low As Amount Rate Type Alert Me
11.25% $500 to $10,000 Non-Variable Receive a notification when this rate changes
*APR: Annual Percentage Rates. Rates and terms are subject to change without notice. Advertised rate includes does not include a 0.25% AutoPay (automatic payment) discount. Savings Secured Visa Terms and Conditions.

Personal Loans

Table data for SkyOne Line of Credit Rates
 Rates Effective 12-16-2018
As Low As Rate Type Credit Limit Alert Me
10.24% APR* Variable $500 - $50,000 Receive a notification when this rate changes
11.74% APR* Non-Variable $500 - $50,000 Receive a notification when this rate changes
*APR: Annual Percentage Rate. Published rates are subject to change anytime. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Advertised rates include a 0.25% Autopay (automatic payment) discount.

Toy Loans

Table data for Toy Loans on Motorcycles, Airplanes, Boats and RVs
 Rates Effective 12-16-2018
New Motorcycles As Low As Used Motorcycles As Low As Maximum Term Alert Me
4.24% APR* 4.74% APR* 48 months Receive a notification when this rate changes
4.49% APR* 4.99% APR* 72 months Receive a notification when this rate changes
New Toys As Low As Used Toys As Low As Maximum Term Alert Me
4.49% APR* 4.99% APR* 72 months Receive a notification when this rate changes
4.74% APR* 5.24% APR* 84 months Receive a notification when this rate changes
5.74% APR* 6.24% APR* 120 months Receive a notification when this rate changes
5.99% APR* 6.49% APR* 180 months Receive a notification when this rate changes
*APR: Annual Percentage Rate. Rates are subject to change anytime. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Advertised rates include a 0.25% Autopay discount, without which rates will be 0.25% higher. The lowest rate offered will not be lower than 4.24% APR for new motorcycles, and 4.74% APR for used motorcycles, inclusive of any applicable rate discounts. The lowest rate offered will not be lower than 4.49% APR for new toys, and 4.99% APR for used toys, inclusive of any applicable rate discounts. If the amount financed is $20,000 or less, the maximum term for motorcycles is 72 months and 84 months for toys. Loan term example: a $15,000 loan at 4.49% APR requires 60 monthly payments of $279.58.
1 Restrictions apply.

Mortgage

Table data for Fixed Rate Mortgages, 0 Points
 Rates Effective 12-16-2018
Term Conforming Rate Conforming APR* Jumbo Rate Jumbo APR* Alert Me
7-Year 3.750% 4.168% 4.125% 4.473% Receive a notification when this rate changes
10-Year 4.000% 4.301% 4.250% 4.500% Receive a notification when this rate changes
15-Year 4.125% 4.334% 4.625% 4.801% Receive a notification when this rate changes
30-Year 4.750% 4.872% 5.000% 5.103% Receive a notification when this rate changes
*APR: Annual Percentage Rate. The information provided assumes the loan amount of $200,000 on a purchase or rate-term refinance, with a loan amount of $200,000 and an estimated property value of $250,000. An escrow (impound) account may be required. The rate lock period is 45 days. The loan-to-value (LTV) is 80%. A down payment of 20% is required. At a 4.750% interest rate, the APR for this loan type is 4.872%. The monthly payment schedule would be: 360 payments of $1,043.29 at an interest rate of 4.750%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Home Equity

Table data for Today's HELOC Rates
 Rates Effective 12-16-2018
Rate Term Alert Me
5.99% 180 Month
*APR=Annual Percentage Rate. 1) Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. 2) Maximum Credit Limit: $200,000 or 80% of appraised value less liens, whichever is less. 3) Minimum Credit Limit: $10,000. 4) TRANSACTION REQUIREMENTS. The minimum credit advance that you can receive is $5,000.00 for the first advance. 5) RATE INFORMATION. The maximum Annual Percentage Rate that can apply to a Home Equity Line of Credit is 18%. Your Annual Percentage Rate will not go below 3% at any time during the term of the loan. 6) MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% would be $161.04.