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.

PlatinumPay: *APY=Annual Percentage Yield. Dividends up to 0.05%. SkyOne rates and terms are effective as of 09.22.2024. The rate is variable and is subject to change after the account is opened without notice. Refer to our separate rate sheet at https://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.

Perk Central: *APY=Annual Percentage Yield. Perk Central rates and terms are accurate as of 09.22.2025 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 3.65% APY.

Fees may reduce earnings Please refer to the Fee Schedule and All in One Disclosure for complete details.

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.