QUICKPAY

Rate Information This is a non‑interest‑bearing account. No dividends are paid on this account. Minimum Balance Requirements The minimum balance required to open this account is $20.00. Monthly Service Fee There is no monthly service fee for this account. Transaction Limitations There are no transaction limitations applicable to this account. Other Fees Other fees may apply. Please refer to the Schedule of Service Charges for complete details. Electronic Services Upon approval, the Credit Union will issue SkyOne ATM/VISA® Debit Cards to the member and any joint owner(s). Separate enrollment is required for online and mobile banking services at skyone.org. Round Up Program When enrolled, debit card purchases are rounded up to the next whole dollar. The rounded‑up amount is transferred at the end of the day from your QuickPay account to your Perk Central Savings account, or to your Primary Savings account if Perk Central is not available.

• If sufficient funds are not available, no transfer will be made.
• Returned or reversed purchases will refund only the original debit amount; round‑up transfers are not reversed.
• Round Up is not available for business debit cards.

Program Changes

• Effective September 22, 2025, Round Up will be automatically included for new QuickPay accounts.
• Effective October 23, 2025, Round Up will apply to all existing QuickPay accounts.

The Credit Union may modify or discontinue this program at any time without notice. You may opt out at any time by calling 800.421.7111, using live chat, or emailing memberservices@skyone.org. Early Payday Direct deposit is required. Early availability of funds depends on when your employer submits payment and may be affected by holidays or ACH processing rules. Timing is not guaranteed.

Perk Central:

Perk Central: Perk Central, a special savings account, will automatically be opened with QuickPay beginning September 22, 2025. No minimum balance is required to open this account. Rates are tiered based on the amount of cumulative monthly direct deposits made to the account.

Member in Good Standing: You must be a member in good standing to enroll in Paycheck Perks (no loans delinquent > 30 days, no charged‑off loans/shares, no ChexSystems records, etc.). See Member Conduct and Limitation of Services Disclosure for full details. Fees may reduce earnings. Refer to the Fee Schedule and All‑in‑One Disclosure for complete information.

APY=Annual Percentage Yield. The 4.00% APY is an introductory rate available on new QuickPay and Perk Central accounts and applies to the Perk Central Account. Rates and terms are accurate as of 04/01/2026 and are subject to change after account opening without notice. A minimum cumulative monthly direct deposit of $2,500 is required to earn the stated APY.

For the first five (5) months from account opening, there is no balance cap on funds eligible to earn the 4.00% introductory APY. After the introductory period, the current 3.10% APY will apply to balances between $0.00 – $100,000, and amounts above $100,000 will earn the Regular Savings account APY as disclosed on the current rates page. Existing members with an active Perk Central account earn the current APY, which is 3.10% for qualifying balances. The post-introductory APY is variable and may change at any time. Please refer to our Rates page for current rates.

Cumulative monthly direct deposits between $0.00–$2,499.99 will earn 0.05% APY. Direct deposits may be made to any share account within the membership. Dividends are paid to the Perk Central account using the average daily balance method.

Greenlight:

SkyOne Federal Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their SkyOne Federal Credit Union payment account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Plans start at $5.99/mo. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 12/31/2025. Offer subject to change or renewal.

Card images shown are illustrative and may vary from the card you receive.

Enrollment is required unless otherwise stated.

APY Information
APY = Annual Percentage Yield.
The 4.00% APY is an introductory rate applicable to the Perk Central Savings account for eligible members.

Rates and terms are accurate as of 04/01/2026
Rates are variable and may change after account opening without notice

A minimum cumulative monthly direct deposit of $2,500 is required to earn the stated APY

Fees may reduce earnings

Introductory Period
For the first five (5) months, there is no balance cap on funds eligible to earn the introductory APY.

After the introductory period:

• 3.10% APY applies to balances from $0.00–$100,000
• Balances above $100,000 earn the Regular Savings APY
• Existing Perk Central members earn the current APY, subject to change
• Members with cumulative monthly direct deposits between $0.00–$2,499.99 earn 0.05% APY.

Dividend Calculation Method
Dividends are calculated using the average daily balance method and credited monthly.

Swipe Bonus
With at least 25 debit card purchases of $1 or more per month, a $5 credit will be deposited to Perk Central. Excludes PIN transactions. Subject to modification or cancellation without notice.

Member in Good Standing
Eligibility requires the member to be in good standing. Fees may reduce earnings. See the Fee Schedule and All‑in‑One Disclosure for details.