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An exclusive offer for you,
receive $1001 and more!

Get $100 when you open an Advantage Checking Account with direct deposit1,2

You’ll also receive:

  • $5 to open a membership account1
  • Dividends on any account balance1
  • 0.10% increase on Share-Certificate dividends1,3
  • Access to over 66,000 surcharge-free ATMs and up to four fees waived for ATM withdrawals from non-credit union ATMs1,4
  • One free Official Check waived per year1

Additional Member Benefits:

  • Auto Loan Discounts (up to a 0.50% APY rate reduction)5
  • Signature Loan Discounts (up to a 0.50% APR rate reduction)6
  • Save up to $5,000 on closing costs for Jumbo Loan Mortgage7

2 simple steps to earn $1001

1

Become a Member and Open Advantage Checking Account

Open your accounts

2

Set up direct deposit to your Advantage Checking Account

Setup Direct Deposit

Experience effortless banking

Our suite of products and services provides you with the tools and support you need to build a secure financial feature.

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24/7 Access8

Our online and mobile banking platform gives you access to your accounts any time, any day. Your own digital branch.

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Branches and ATMs

Locate 66,000+ ATMs and 4,000+ shared branches near you through our nationwide network.

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Introducing Zelle®

a fast, safe and easy way to send money to friends, family and other people you trust, wherever they bank.9

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Early Pay Check

Get your pay check up to 2 days earlier with direct deposit.10

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Everything you need

Industy high savings rates, checking, mortgage and HELOCs, reward credit cards, low loan rates, and more.

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Your Financial Future

Our CFS financial advisors can help plan your retirement, education expenses, and more.11

Credit Unions vs. Banks

Credit UnionsBanks
OwnershipNot-for-profit; owned by members of the credit unon For profit; owned by select group of stockholders
ProfitsEarnings are returned to all members through better rates and fewer feesProfits go to select stockholders in the form of dividends
RatesHigher interest rates on deposit accountsLower interest rates on deposit accounts
FeesLower feesHigher fees
Access66,000+ ATMs and 4,000+ shared branches nationwide15,700+ branches combined (Wells Fargo, Chase, and Bank of America
InsuranceInsured up to $250,000 through the NCUAInsured up to $250,000 through the FDIC

Disclosure

1In order to qualify for the following Special Selected Employer Group (SEG) Benefits, you must be currently employed at a designated Selected Employer Group with SkyOne Federal Credit Union, open a new SkyOne membership with an Advantage Checking account, and receive a minimum of $1,000 in direct deposits per statement cycle into the Advantage Checking account. If you do not meet the checking and direct deposit minimum requirement for six (6) consecutive months, you will no longer be eligible for the Special SEG Benefits, and your account will be removed from the benefits program.

Already have a SkyOne membership but don’t have an Advantage Checking account? Add an Advantage Checking account with a minimum of $1,000 direct deposit per statement cycle. You will receive dividends on any account balance and be added to the Selected Employer Group program. You will also be awarded the $100 bonus.

2$100 Bonus. If you open a new SkyOne Federal Credit Union Advantage Checking account with a minimum average of $1,000 direct deposit per statement cycle, you’ll receive a $100 bonus. Your bonus will be deposited to your Advantage Checking account within 30 days after we’ve received your first qualifying direct deposit into this account and your account is in good standing. Your new checking account will earn dividends up to 0.05% Annual Percentage Yield on any balance. This rate is effective as of the last dividend and declaration date. The rate is variable and may change after the account is opened. Fees may reduce earnings on the account. Account subject to eligibility, visit Advantage Checking Account page for full terms and conditions and Rates page for current rates.

Already have a SkyOne Advantage Checking account? Add an Advantage Checking account with a minimum of $1,000 direct deposit per statement cycle. You will receive dividends on any account balance and be added to the Selected Employer Group program.

30.10% increase on Share-Certificate dividends. This increase applies to all of our Share- Certificates with $1,000 minimum. Additionally, you have the option of a One-Time Rate Bump if you choose a term of two or more years. 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 Federal Credit Union. The one-time rate increase only applies to certificates with terms of two years or longer. Visit Certificates page for full terms and conditions and Rates page for current rates.

4Get up to 4 refunds per month for non-credit union ATM fees. Qualifying refunds will be posted to your account at the end of the calendar month.

5Auto Loan Discounts. Receive up to 0.50% off your auto loan rate based on: 0.25% discount for automatic payment and 0.25% discount for your direct deposit (average $1,000 per statement cycle). 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 online at https://www.skyone.org/borrow/auto-loans/, inclusive of any applicable rate discounts. 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. Estimated monthly payment: a $15,000 new vehicle loan at 5.49% APR for 60 months will have an estimated monthly payment of $286; a $15,000 used vehicle loan at 5.99% APR for 60 months will have an estimated monthly payment of $289. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding. Visit Auto Loans page for full terms and conditions and Rates page for current rates. All loans are subject to credit approval.

6Signature Loan Discounts. Receive up to 0.50% off your loan rate based on: 0.25% discount for automatic payment from your Advantage Checking or savings account, 0.25% discount for your direct deposit (average $1,000 per statement cycle). For new accounts, the discounted APR will take effect up to 30 days after account opening. If you no longer qualify for the discount, your rate will revert to the rate you qualified for at account opening, as disclosed in the Non-Variable Rate Agreement and Federal Disclosure Statement provided. Visit Rates page for current rates. All loans are subject to credit approval. Signature Loan payment example: a $10,000 loan at 13.24% APR and a 60-month term requires an estimated monthly payment of $228

7Up to $5,000 on closing costs for Jumbo Loan Mortgage. SkyOne Federal Credit Union will pay borrower’s third-party closing costs up to 2% of the loan amount up to a cap of $5,000 excluding discount points, private mortgage insurance, prepaid interest, homeowner association fees, home inspection fees, condo document fees or funds to establish the member’s escrow account. Appraisal and any fees collected from the borrower during the loan process will be credited back to the borrower at loan closing. However, such fees will not be refundable to the borrower if the loan is not completed for any reason. If the loan is paid in full within the first 36 months of the commencement of the loan, the borrower will be required to reimburse 100% of the closing costs (a value up to $5,000) paid by SkyOne Federal Credit Union. All loans are subject to membership eligibility, credit, and underwriting approval. Additional terms and conditions may apply. Call (855) 624-7248 (Mon-Fri: 5:00 a.m. to 5:00 p.m. Pacific time) if you have any questions.
Home Equity Loan and Line Discount. Get 0.25% discount with automatic payment from your SkyOne Advantage Checking or Savings Account. For new accounts, the discounted APR will take effect up to 30 days after the Home Equity Loan or Line account opening. If you no longer qualify for the discount, your rate will revert to the variable rate based on an index and margin you qualified for at account opening, as disclosed in the Home Equity Loan or Line of Credit Agreement and Disclosure Statement provided. After that, the current rate will apply. For terms and conditions and current rates visit Home Equity Loan page. All loans are subject to credit approval.

8Carrier message and data rates may apply.

9U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.

10You must have direct deposit on your account to enjoy this service. Early Arrival is based on the date that your employer sends SkyOne the funds for your paycheck. The actual delivery dates may vary in the event of holidays and other occurrences.

11Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.

12SkyOne member benefits are provided by third parties, not by SkyOne or its affiliates. Providers may pay royalty fees to SkyOne for the use of its intellectual property. Some provider offers are subject to change and may have restrictions. Please contact the provider directly for details.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.