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Personal Loans

About

A personal loan may be used for any reason: running low on cash, consolidating debt, buying a laptop, or taking a vacation. Plus, we offer a number of affordable solutions for you.

Signature Loan

  • A traditional closed-end loan at a low non-variable rate
  • Great for building credit

Apply Now

Table data for Signature Loan Rates
 Rates Effective 05-28-2018
Rate Rate Type Loan Amount Term Alert Me
9.49% APR* Fixed $500 - $3,000 Up to 24 months Receive a notification when this rate changes
9.49% APR* Fixed $3,001 - $50,000 Up to 60 months 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. SkyOne Signature Loan payment example: a $10,000 loan at 9.49% APR and 60 month term requires an estimated monthly payment of $209.97.

SkyOne Line of Credit

  • Great for Overdraft Protection
  • Access funds through iSky Online Banking or by writing a check

Apply Now

Table data for SkyOne Line of Credit Rates
 Rates Effective 05-28-2018
As Low As Rate Type Credit Limit Alert Me
9.74% 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.

^Payments by phone can be accepted to all loans except First Mortgages. There is a $10 service charge for each payment made using the Payment by Phone service. Payments to your SkyOne loan cannot be made using your SkyOne credit card. The maximum payment amount using this service is $3,000. Please refer to the Schedule of Service Charges and All in One Disclosure for complete details.

Loan Protection

In the event of death, disability or involuntary unemployment, your loan balance or monthly payments will be cancelled, and you can enjoy peace of mind knowing you and your credit rating are protected.

  • Coverage fee built into your monthly loan payment for as low as a few dollars a month
  • Test drive SkyOne Loan Protection for 30 days for free (If you'd like to cancel your protection within the first 30 days, we'll refund any fees already paid)
  • Cancel your Loan Protection at any time

Get your coverage. Give us a call at 800.421.7111.

Your purchase of SkyOne Loan Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for SkyOne Loan Protection. This information will include a copy of the contract containing the terms and conditions of debt protection. There are eligibility requirements, conditions and exclusions that could prevent you from receiving SkyOne Loan Protection benefits. You should carefully read your SkyOne Loan Protection contract for a full explanation of the terms and conditions of the debt protection program.

Skip a Payment

Sometimes you just need a break from your loan payments. So for a small fee*, we offer members a flexible option to “Skip" a payment on an eligible SkyOne loan or credit card once every 12 months.

From covering unexpected expenses to freeing up extra cash for an important project, Skip a Pay is another way we can help you take more control over your money.

  • Skip a payment on credit cards and consumer loans
  • Send us your request at least 5 days before your loan payment is due

Two easy ways to skip a payment

  • Skip a payment in iSky® Online Banking

    1. Log into iSky® Online Banking.
    2. Click on Manage My Account, and then Skip a Pay.
    3.
    Select the loan payment to skip and the account to debit for the processing fee.
    4. Submit the request, and you’re done!

    Skip a payment in iSky Online Banking



*Payment Extensions are not available for first mortgages, home equity loans and home equity lines of credit. Deferrals are subject to review and approval, which includes a review of your loan payment history for the last six consecutive months on all credit accounts. Finance charges will continue to accrue at the contract rate. Deferring a payment will result in higher total finance charges than if you made payments as originally scheduled and may extend the term of your loan(s). You can only defer one payment per loan every 12 months, with a maximum of two deferrals for the life of the loan under this program. For members who have Guaranteed Asset Protection (GAP), claim coverage may not extend to the amount of payment(s) deferred. Refer to your insurance contract for your coverage details. To skip one consumer loan payment, a $30 fee will be automatically deducted from the share account you designate. Funds must be available.

FAQs

Questions? Get Instant Answers


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Financial Fitness

Click here to get started!Talk to a BALANCE Financial Counselor

We care about your financial wellness. That's why we've partnered with industry-leading BALANCE to provide you access to free and confidential financial counseling and education. And should you need, BALANCE can assist with confidential, no-cost financial counseling services to help you develop a sensible budget managing spending and debt. For all your financial life stage changes and more, we—in partnership with BALANCE—are here to help.

 Call 888.456.2227Visit BALANCE.org

Monday - Thursday, 5 am - 8 pm PT | Friday, 5 am - 5 pm PT | Saturday, 8 am - 5 pm PT

Comments

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WOW!

I have given a token of thanks once before , but , WOW! Nicole in New York is tuly AMAZING! I am loving this CU & loving Nicoles willingness to want to HELP! Def looking forward to referring my Family!

Posted By: William P
922 days 20 hrs 26 mins ago
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Outstanding !!!

i love SkyOne FCU. Outstanding service in person or on the phone provided. Imobile is easy to use and very handy on the road. SkyOne website is well secured, easy to follow with OUTSTANDING offers and account access.

Posted By: Wayne Armstrong
1257 days 18 hrs 46 mins ago
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