Disclosures

*APY= Annual Percentage Yield. SkyOne rates and terms are accurate as of 06.01.2022 and are subject to change after the account is opened without notice. Comparison bank rates accurate as of 06.01.2022. Compounding and crediting: Dividends will be compounded every month. Dividends will be credited to your account on the last day of each month. 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 of dates. The dividend declaration date is the last day of the dividend period, and for the example above, is January 31. 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. This account offers a set dividend rate of 1.00% with an Annual Percentage Yield (APY) of 1.00%. Dividends will be paid to the Sky-high Savings Account at a 1.00% rate with an APY of 1.00% provided a deposit of $1,000 or more is posted to your account each month. The deposit can be posted to any share account (suffix) within the same account to obtain the disclosed APY. There are no restrictions on the type of deposit method; direct deposit, remote check deposit, external transfers, ACH, etc. are accepted to fund your account each month. During the month, if there is no deposit of $1,000 or more credited to the account, the dividend rate and APY will default to the Regular Savings Account APY and APY disclosed on the current rate sheet. Average daily balance computation method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly dividend period. Fees may reduce earnings on the account. Savings and Money Market accounts have a maximum of six withdrawals or outgoing transfers per month. Please refer to the Fee Schedule and All in One Disclosure for complete details.

**No-surcharge fee for SkyOne and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/operators may assess a fee.

¹You must have direct deposit on your SkyOne Checking, Savings, or Money Market account to enjoy this service. Early Paycheck 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 and may be affected by the same Day ACH Rule.

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