Disclosure

Membership required.

APY = Annual Percentage Yield. SkyOne rates and terms are accurate as of 03‑17‑2025 and are subject to change after the account is opened without notice. Rates are effective as of the last dividend declaration date. The rate is variable and may change after the account is opened. The minimum cumulative monthly direct deposit required to earn dividends is: $0.00 – $2,499.99 to earn 0.05 % APY and $2,500.00 and above to earn 3.80 % APY.

Paycheck Perks is only available when you have an open and active SkyOne Pay Account (QuickPay or PlatinumPay). Direct deposits may be made to any share account within the membership, but all perks—including the high-yield rate, cash-back rewards, and Round Up savings are credited to a special savings account called Perk Central, which is accessible only when a Pay Account is maintained.

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. The dividend declaration date is the last day of the dividend period (e.g., January 31). You will not receive the accrued dividends if you close your account before dividends are paid.

Minimum Balance: No minimum balance is required to open this account. Dividends will be paid to the Perk Central account at the disclosed rate and APY. Rates are tiered based on the amount of cumulative monthly direct deposits made to the account. A qualifying direct deposit is a direct deposit of your salary, pension, Social Security, or other regular monthly income electronically deposited through the Automated Clearing House (ACH) network to any share account (suffix) within the same account to obtain the disclosed APY. Transfers from one account to another, mobile deposits, or deposits made at a branch or ATM do not qualify. During any month without a deposit of $2,500 or more, the dividend rate and APY will default to the Regular Savings Account APY disclosed on the current rate sheet.

Average Daily Balance Computation Method: Dividends are calculated using the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The period used is the monthly dividend period.

Compounding and Crediting: Dividends will be compounded monthly and credited to your account on the last day of each month.

Maximum Deposits Allowed: While there is no maximum balance limit in the Perk Central account, accounts that qualify for the maximum dividend rate will receive that rate for up to $50,000 in deposits. Deposits above $50,000 will receive the Regular Savings Account APY disclosed on the current rate sheet.

¹Paycheck Perks Swipe Bonus: If you make at least 25 debit‑card point‑of‑sale purchases (excluding PIN‑based transactions) of at least $1 each per month, you will receive $5.00 credited to your Perk Central account. To qualify, you must be eligible for a checking account and debit card. We reserve the right to cancel or modify this bonus at any time without prior notice. Not available for business debit cards.

²Round Up: When you enroll, we round up the amount of any debit‑card purchase to the next whole dollar and transfer the excess from your checking account to Perk Central at day‑end. If insufficient funds exist, no transfer occurs. Reversed or returned purchases refund only the original debit amount (round‑ups are not reversed). Round Up may be modified or canceled at any time without notice and is unavailable for business debit cards. Opt out anytime by contacting us at 800.421.7111, live chat at skyone.org, or email memberservices@skyone.org.

Member in Good Standing: You must be a member in good standing to enroll in Paycheck Perks (no loans delinquent > 30 days, no charged‑off loans/shares, no ChexSystems records, etc.). See Member Conduct and Limitation of Services Disclosure for full details. Fees may reduce earnings. Refer to the Fee Schedule and All‑in‑One Disclosure for complete information.
Earn up to 3.80 % APY, cash‑back, and round‑up savings with Paycheck Perks. A smarter, family‑focused way to grow money automatically.

³QuickPay

Rate Information: This is a non-interest-bearing account.

Minimum Balance Requirements: The minimum balance required to open this account is $20.00.

Transaction Limitations: No transaction limitations apply to this account.

Monthly Service Fee: $6.95

Ways To Avoid The Monthly Service Fee: $0 Monthly Service Fee when one or more of the following conditions are met during each monthly statement period: You are age 25 or under, are age 65 or older, have an active Line of Credit including Home Equity Line of Credit (HELOC) (activity is defined as carrying a balance or making an advance each month of $100 or more), have an active consumer loan including mortgage, maintain an average daily balance of $2,500 or more, have an aggregate deposit of $1,000 or more into your SkyOne account where the QuickPay account is held, or make a minimum of twenty (20) debit card point of sale (POS) transactions.

Other Fees That May Apply: Refer to the Schedule of Service Charges.

Electronic Services: Upon approval of a request for a QuickPay account, the Credit Union will send the member and joint owner(s) each a SkyOne ATM/VISA® Debit Card. Separate registration is required for online and mobile banking access at www.skyone.org.

⁴PlatinumPay Account

Rate Information: Dividends up to 0.05% (APY) Annual Percentage Yield. SkyOne rates and terms are effective as of 08.05.2024. The rate is variable and is subject to change after the account is opened without notice. Refer to our separate rate sheet at https://www.skyone.org/rates for the current rate. You must maintain a minimum average daily balance of $2,500 in your PlatinumPay account to earn dividends.

Dividend Information: Dividends will be compounded and credited monthly. Fees may reduce earnings on the account.

Minimum Balance Requirements: The minimum balance required to open this account is $20.00.

Transaction Limitations: No transaction limitations apply to this account.

Monthly Service Fee: A monthly fee applies to the PlatinumPay account. Please refer to the Schedule of Service Charges for additional information regarding fees and charges.

Ways to Avoid the Monthly Service Fee: $0 Monthly Service Fee when the following condition is met during each monthly statement period: Keep an average daily balance of $10,000 or more in the PlatinumPay share account. A fee will be assessed for each PlatinumPay share unless the average daily balance minimum is met.

Other Fees That May Apply: Refer to the Schedule of Service Charges

Electronic Services: Upon approval of a request for a PlatinumPay account, the Credit Union will send the member and
joint owner(s) each a SkyOneVISA® Debit Card. Separate registration is required for online and mobile banking access at www.skyone.org.

Eligibility: Must be a United States resident, 18 years or older, with a valid Social Security Number to be eligible for the benefits of the PlatinumPay account. The following types of general membership accounts are not eligible to open or maintain a PlatinumPay account: Minor accounts, Conservatorship accounts, Guardianship accounts, CUTMA/UTMA accounts, Revocable and irrevocable trust accounts, Custodial (non-UTMA) accounts, Child artist (Coogan) accounts, Estate accounts, Representative payee accounts.

Account Transfer Policy: If the monthly PlatinumPay fee cannot be collected for two (2) consecutive months due to
insufficient funds, the account will automatically be converted to a QuickPay account at the start of the third month. The account number will remain the same, and the applicable QuickPay monthly service fee will be assessed.