Menu
Skip nav to main content.

Rates

  • Savings Rates

    Savings Rates

    Rates Effective as of: 06-15-2024

    For daily average balance of Dividend Rate APY*
    $500 + 0.05% 0.05%

    Sky-high Savings Rates

    Rates Effective as of: 06-15-2024

    To earn the highest dividend rate deposit Dividend RateAPY*
    $1,000+ per mo. within the same member acct.1.00% 1.00%

    Advantage Checking Rates

    Rates Effective as of: 06-15-2024

    Average Daily Balance Dividend Rate APY^
    $ 2,500+ 0.05% 0.05%

    Money Market Account Rates

    Rates Effective as of: 06-15-2024

    Average Daily Balance Dividend Rate APY**
    $2,500 - $24,999.99 0.10% 0.10%
    $25,000 - $49,999.990.20%0.20%
    $50,000 - $99,999.990.30% 0.30%
    $100,000 - $249,999.990.40% 0.40%
    $250,000+0.40%0.40%

    Certificate Rates

    Rates Effective as of: 06-15-2024

    Amount11 Month Liquid6 Months 1 Year2 Years^3 Years^4 Years^5 Years^
    $1,000 - $9,999 3.00% APY*3.00% APY* 3.00% APY* 3.20% APY* 3.30% APY* 3.40% APY* 3.60% APY*
    $10,000 - $99,999 3.00% APY*3.00% APY* 3.00% APY* 3.20% APY* 3.30% APY* 3.40% APY* 3.60% APY*
    $100,000 + 3.00% APY*3.00% APY* 3.00% APY* 3.20% APY* 3.30% APY* 3.40% APY* 3.60% APY*

     

    Savings Account: *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.

    Sky-high Savings Account: *APY= Annual Percentage Yield. Dividends posted and compounded Monthly. Fees may reduce earnings. 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. A deposit of $1,000 or more must post to your account(s) each month. The deposit can be posted to any share account (suffix) within the same account and can be in aggregate up to $1,000 or more. There are no restrictions on the type of deposit method. During the month, if there is no deposit of $1,000 or more credited to the account(s), the dividend rate and APY will default to the Regular Savings Account rate and APY disclosed on the current rate sheet.

    Advantage Checking Account: *APY = Annual Percentage Yield. Rates are effective as of the last dividend and declaration date. The rate is variable and may change after the account is opened. A $2,500 balance is required to earn dividends. Dividends posted and compounded Monthly. Fees may reduce earnings.

    Money Market Account: *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. The minimum balance required to earn dividends is: 1. $2,500-$24,999.99 to earn 0.15% APY, $25,000-$49,999.99 to earn 0.25% APY, $50,000-$99,999.99 to earn 0.35% APY, $100,000-$249,999.99 to earn 0.45% APY, and $250,000+ to earn 0.45% APY. Dividends will be posted and compounded monthly. If your Average Daily Balance falls below $2,500, a $10 monthly fee will be assessed. Fees may reduce earnings.

    Certificate Account: *APY= Annual Percentage Yield – APY on certificates assumes quarterly compounding. APY is slightly less for terms of less than 12 months. A $1,000 minimum balance and the minimum amount to open the Certificate is required, starting at a six-month term. The dividend rate will remain the same until the end of your term (even if balance exceeds the maximum amount in your current tier level). The maximum terms for certificates will be limited to 60 months. Rates are subject to change. Early withdrawal penalties apply.

    In the event of withdrawal before your certificate term matures:

    Certificates with terms from six months to one year are subject to a penalty equal to a loss of 90 days dividends; certificate terms greater than one year are subject to a penalty equal to a loss of 180 days dividends; dividends will be paid prior to imposing the penalty. Fees may reduce earnings on the account.

    ^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.

    Please refer to the Fee Schedule and All in One Disclosure for complete details.

  • Card Rates

    Platinum Elite Visa Signature Rates

    APR* As low as Credit Limit Rate Type
    18.00%$2,500 - $50,000 Variable

    Platinum Rewards Visa Rates

    APR* As low as Credit Limit Rate Type
    18.00% $2,500 - $50,000 Variable

    Classic Visa Rates

    Rates Effective as of: 06-15-2024

    APR* as Low As Amount Rate Types
    18.00% $1,000-$5,000 Variable

    Savings Secured Classic Visa Rates

    Rates Effective as of: 06-15-2024

    APR* as Low As AmountRate Type
    18.00% $500 to $10,000 Variable

     

    Platinum Elite Visa® Signature Card Fees Disclosures: Transaction fees may apply. Balance Transfer Fee and Cash Advance Fee: 3% of the amount of each transaction. $65 annual fee. For complete Terms and Conditions, click here.

    Platinum Rewards Visa® Card Fees Disclosures: Transaction fees may apply. Balance Transfer Fee and Cash Advance Fee: 3% of the amount of each transaction. Foreign Transaction Fee: When using your SkyOne Visa® credit card or debit card outside the U.S., there is an International Service Assessment (ISA) fee for each transaction. Single Currency Transaction (your transaction is done in US Dollars) – 0.8% of the transaction. Multiple Currency Transaction (your transaction requires conversion from the local currency into US Dollars) – 1.0% of the transaction. Whether your transaction is a single or multiple currency transactions depends on the country, the merchant, and how the merchant processes the transaction.

    Classic Visa® Card Fees Disclosures: Transaction fees may apply. Balance Transfer Fee and Cash Advance Fee: 3% of the amount of each transaction. Foreign Transaction Fee: When using your SkyOne Visa® credit card or debit card outside the U.S., there is an International Service Assessment (ISA) fee for each transaction. Single Currency Transaction (your transaction is done in US Dollars) – 0.8% of the transaction. Multiple Currency Transaction (your transaction requires conversion from the local currency into US Dollars) – 1.0% of the transaction. Whether your transaction is a single or multiple currency transactions depends on the country, the merchant, and how the merchant processes the transaction.

    Credit Card Disclosures: *APR=Annual Percentage Rate. Published rates, terms, and conditions effective as of 8-5-2022 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. Verification of income may be required.

    Please refer to the Fee Schedule and All in One Disclosure for complete details. Refer to our Visa Benefits Guide.

  • Loan Rates

    Auto Loan Rates

    Rates Effective as of: 06-15-2024

    36-48 Months60 Months72 Months84 Months
    New Vehicles6.99% APR*6.99% APR*6.99% APR*6.99% APR*
    Used Vehicles6.99% APR*6.99% APR*6.99% APR*6.99% APR*

    Motorcycle Loan Rates

    Rates Effective as of: 06-15-2024

    New Motorcycles As Low As Used Motorcycles As Low As Maximum Term
    7.99% APR* 8.49% APR* 48 months
    8.24% APR* 8.74% APR* 72 months

    Toy Loan Rates for Airplanes, Boats and RVs

    Rates Effective as of: 06-15-2024

    New Toys As Low As Used Toys As Low As Maximum Term
    8.24% APR* 8.74% APR* 72 months
    8.49% APR* 8.99% APR* 84 months
    9.49% APR*9.99% APR*120 months
    8.74% APR*10.24% APR*180 months

    Toy Loan Rates for Dirt Bikes, Jet Skis, Snowmobiles and ATVs

    Rates Effective as of: 06-15-2024

    As Low AsRate TypeLoan AmountMaximum Term
    14.24% APR*Fixed$500 - $3,000up to 24 months
    14.24% APR*Fixed$3,001 - $50,000up to 60 months

    Personal Loan Rates

    Rates Effective as of: 06-15-2024

    As Low As Rate TypeCredit Limit
    14.24% APR* Non-Variable$500 - $50,000

    Line of Credit Rates

    As low asRate TypeCredit Limit
    14.50% APR*Variable$500 - $50,000

     

    Auto Loan Disclosures: *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 and lowest used vehicle rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. The advertised “as low as” APRs includes a 0.25% Auto Pay rate discount and 0.25% direct deposit discount. 0.25% Auto Pay rate discount requires you to set up automatic payments (AutoPay) from your SkyOne Savings or Checking account. If Auto Pay is cancelled at any time during the term of the loan, your rate will increase by 0.25%. 0.25% direct deposit discount: requires you to make at least two (2) ACH deposits of more than $1.00 that total $2,000.00 or more a rolling seventy (70) day period. You have seventy (70) days from the date of this document to establish this direct deposit. Should you not make deposits as described your Annual Percentage Rate will increase by (0.25%). Maximum term at new vehicle rate is 60 months for new and used vehicles; minimum amount financed is $2,500. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 84 month term would be $210.18. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.

    Motorcycle Loan Disclosures: *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 and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest new motorcycle rate and used motorcycle rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. If the amount financed is $10,000 or less, the maximum term for motorcycles is 72 months. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 72-month term would be $228.08.

    Toy Loan (Airplanes, Boats and RVs) Disclosures: *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 and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest new toy rate and used toy rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. If the amount financed is $20,000 or less, the maximum term is for 84 months. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $40,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $644.17.

    Toy Loan Rates (Dirt Bikes, Jet Skis, Snowmobiles and ATVs) Disclosures: *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 discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. Dirt Bikes, Jet Skis, Snowmobiles and ATVs are financed as Signature loans. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 60-month term would be $253.93.

    Personal Loan Disclosures: *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 discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 60-month term would be $253.93.

    Line of Credit Disclosures: *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 discount, without rates will be 0.25% higher.

    Please refer to the Fee Schedule and All in One Disclosure for complete details.

  • Home Loan Rates

    Home Equity Loan Rates

    Rates Effective as of: 06-15-2024

    Rate/APR*Rate TypeTerm
    9.49% Fixed60 months
    9.49%Fixed120 months
    9.74%Fixed180 months
    10.24%Fixed240 months

    Home Equity Line of Credit (HELOC) Rates

    Rates Effective as of: 06-15-2024

    Rate/APR*Rate TypeTerm
    9.24%Variable Up to 180 months

    HELOC: *APR=Annual Percentage Rate. Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. Not all applicants will qualify for the lowest rate. 1) Maximum Credit Limit: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum Credit Limit: $10,000. 3) TRANSACTION REQUIREMENTS. The minimum credit advance that you can receive is $5,000.00 for the first advance. 4) 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. 5) MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $161.04. 6) HELOC APR is variable. 7) Homeowners insurance is required. 8) Closing costs typically range from $1100 to $2500, depending upon the property’s location.

    Home Equity Loan: *APR=Annual Percentage Rate. Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. Not all applicants will qualify for the lowest rate. 1) Maximum loan amount: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum loan amount: $10,000. 3) Payment example: a $50,000 Home Equity Loan with a 120-month term with a rate of 9.24% APR has a monthly payment of $639. All loans are subject to approval. Third party fees may occur. 4) Closing costs typically range from $1100 to $2500, depending upon the property’s location.

    Equal Housing Lender

Important Fraud Messaging Alert:

Fraudulent texts messages and calls impersonating SkyOne are increasing. Do NOT share any information. Beware of scammers! click here to learn more about spoofing scams.