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Rates

  • Savings Rates

    Savings Rates

    Rates Effective as of: 07-03-2020

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

    Sky-high Savings Rates

    Rates Effective as of: 07-03-2020

    To earn the highest dividend rate deposit Dividend RateAPY*
    $1,000+ per mo. within the same member acct.0.65% 0.65%

    Premier Checking Rates

    Rates Effective as of: 07-03-2020

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

    Money Market Account Rates

    Rates Effective as of: 07-03-2020

    Average Daily Balance Dividend Rate APY*
    $2,500 - $24,999.99 0.15% 0.15%
    $25,000 - $49,999.990.25%0.25%
    $50,000 - $99,999.990.35% 0.35%
    $100,000 - $249,999.990.45% 0.45%
    $250,000+0.55%0.55%

    Certificate Rates

    Rates Effective as of: 07-03-2020

    Amount6 Months 1 Year2 Years^3 Years^4 Years^5 Years^
    $1,000 - $9,999 0.35% APY* 0.55% APY* 0.55% APY* 0.65% APY* 0.74% APY* 0.84% APY*
    $10,000 - $99,999 0.40% APY* 0.60% APY* 0.60% APY* 0.70% APY* 0.80% APY* 0.90% APY*
    $100,000 + 0.50% APY* 0.70% APY* 0.70% APY* 0.80% APY* 0.90% APY* 1.00% 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.

    Premier 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 0.55% 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. To earn 1.00% APY*, the Certificate must have a minimum of five years term and a minimum balance of $100,000 or more. 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). 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.

    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. The maximum terms for certificates will be limited to 60 months.

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

  • Card Rates

    Platinum Rewards Visa Rates

    APR* As low as Credit Limit Rate Type
    10.00% $2,500 - $50,000 Variable
    12.74% $2,500 - $50,000 Non-Variable

    Classic Visa Rates

    Rates Effective as of: 07-03-2020

    APR* as Low As Amount Rate Types
    11.50% $1,000-$5,000 Variable
    14.24% $1,000-$5,000 Non-Variable

    Savings Secured Classic Visa Rates

    Rates Effective as of: 07-03-2020

    APR* as Low As AmountRate Type
    10.75% $500 to $10,000 Variable

    Credit Card Disclosures: *APR=Annual Percentage Rate. Published rates, terms, and conditions effective as of 06-01-2020 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. Verification of income may be required.

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

  • Loan Rates

    Auto Loan Rates

    Rates Effective as of: 07-03-2020

    New Vehicles As Low AsUsed Vehicles As Low AsMaximum Term
    2.99% APR*3.49% APR*60 months
    3.24% APR*3.74% APR*72 months

    Motorcycle Loan Rates

    Rates Effective as of: 07-03-2020

    New Motorcycles As Low As Used Motorcycles As Low As Maximum Term
    4.49% APR* 4.99% APR* 48 months
    4.74% APR* 5.24% APR* 72 months

    Toy Loan Rates for Airplanes, Boats and RVs

    Rates Effective as of: 07-03-2020

    New Toys As Low As Used Toys As Low As Maximum Term
    4.74% APR* 5.24% APR* 72 months
    4.99% APR* 5.49% APR* 84 months
    5.99% APR*6.49% APR*120 months
    6.24% APR*6.74% APR*180 months

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

    Rates Effective as of: 07-03-2020

    As Low AsRate TypeLoan AmountMaximum Term
    9.49% APR*Fixed$500 - $3,000up to 24 months
    9.49% APR*Fixed$3,001 - $50,000up to 60 months

    Personal Loan Rates

    Rates Effective as of: 07-03-2020

    As Low As Rate TypeCredit Limit
    9.49% APR* Non-Variable$500 - $50,000

    Line of Credit Rates

    Rates Effective as of: 07-03-2020

    As low asRate TypeCredit Limit
    10.50% APR*Variable$500 - $50,000
    12.74% APR*Non-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 offered will not be lower than 2.99% APR, and the lowest used vehicle rate offered will not be lower than 3.49% 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 60 months for new and used vehicles; minimum amount financed is $2,500. Estimated monthly payment: a $15,000 new vehicle loan at 2.99% APR for 60 months will have an estimated monthly payment of $269.51; a $15,000 used vehicle loan at 3.49% APR for 60 months will have an estimated monthly payment of $272.86. 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 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, without which rates will be 0.25% higher. The lowest rate offered will not be lower than 4.49% 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.

    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, without which rates will be 0.25% higher. The lowest rate offered will not be lower than 4.49% APR for new motorcycles, and 4.99% APR for used motorcycles, inclusive of any applicable rate discounts. The lowest rate offered will not be lower than 4.74% APR for new toys, and 5.24% 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.

    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 (automatic payment) discount. The lowest rate offered will not be lower than 9.49% APR, inclusive of any applicable rate discounts. Dirt Bikes, Jet Skis, Snowmobiles and ATVs are financed as Signature loans. Payment example: a $10,000 loan at 9.49% APR and 60 month term requires a monthly payment of $209.97.

    Personal 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 (automatic payment) discount. SkyOne Signature Loan payment example: a $10,000 loan at 4.49% APR and 60 month term requires an estimated monthly payment of $209.97.

    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 (automatic payment) discount.

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

  • Real Estate Loans

    Fixed Mortgage Rates

    Rates Effective as of: 07-03-2020

    TermConforming Rate Conforming APR* Jumbo Rate Jumbo APR*
    7-Year 2.875% 3.289%3.875% 4.222%
    10-Year 3.000% 3.296% 4.000% 4.877%
    15-Year 3.125% 3.329%4.125% 4.298%
    20-Year3.250%3.408%4.250%4.386%
    30-Year 3.375% 3.488% 4.375%4.474%

    Click here for Real Estate Rates