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. Perk Central: *APY=Annual Percentage Yield. Perk Central rates and terms are accurate as of 04.01.2026 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 3.10% APY. Introductory APY=Annual Percentage Yield. The introductory dividend rate is 3.928%, with an Annual Percentage Yield (APY) of 4.00%. This offer applies to new money deposited into a Perk Central Account. New money is defined as funds transferred from outside of SkyOne. Rates are subject to change at any time, as determined by the Board of Directors. QuickPay + Perk Central Bundle: A Perk Central account will automatically be opened with a new QuickPay account. The introductory rate is available to new SkyOne Federal Credit Union members and existing SkyOne Federal Credit Union members without a payment/checking account who open both a QuickPay and Perk Central account. Both accounts must remain open and active to qualify for the introductory rate. Direct Deposit Requirement: After account opening, the member has 30 days to set up cumulative direct deposits totaling at least $2,500 to earn the introductory rate. Direct deposits may be made to any share account within the membership. The month in which the $2,500 minimum is first credited will be considered Month 1 of the five-month introductory period, during which the introductory dividend rate of 3.928% (4.00% APY) may apply. If the requirement is not met, the account will earn the dividend rate and APY for the Regular Savings, as disclosed on the current rate sheet. A qualifying direct deposit is an electronic deposit of salary, pension, Social Security, or other recurring income through the Automated Clearing House (ACH) network to any share account (suffix) within the same membership. Transfers, mobile deposits, ATM deposits, or in-branch deposits do not qualify. Please refer to the Fee Schedule and All in One Disclosure for complete details.