FAA Employee

FAA Employee Benefits

Membership is required

In order to qualify for the following Special Selected Employer Group (SEG) Benefits, each employee must be currently employed at a designated SkyOne Federal Credit Union Selected Employer Group, open a new SkyOne membership with a QuickPay, SmartPay or PlatinumPay payment account and receive at least (2) ACH deposits of more than $1.00 that total $2,000.00 or more in a grace period. The direct deposit must be active and meet the requirements within seventy (70) days from the date of opening the payment account. You have seventy days from the date of the new account. If the employee does not meet the payment account and direct deposit minimum requirement for six (6) consecutive months, the employee will no longer be eligible for the Special SEG Benefits, and the account will be removed from the benefits program. The account will then be subject to possible fees, please refer to the Schedule of Service Charges for fee schedule. Other terms and conditions also apply, please visit skyone.org/checking.

$100 Bonus Offer: There must be a direct deposit of a minimum of $2,000 within a 70-day period and a continued monthly direct deposit of $2,000 into either a PlatinumPay, SmartPay, or QuickPay account in order to receive your bonus offer. Your bonus will be deposited to your pay account within 30 days after we’ve received your first qualifying direct deposit into a payment account and your account must be in good standing. Please see fee schedule for current account fees. Other terms and conditions apply, please visit skyone.org/checking.

PlatinumPay earns 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. QuickPay does not earn dividends. Account subject to eligibility, visit Pay Accounts page at legacyskyonesite.kinsta.cloud/payaccounts for full terms and conditions and Rates page at https://legacyskyonesite.kinsta.cloud/rates for current rates.

0.10% 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 here for full terms and conditions and Rates page for current rates.

Get 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.

Auto Loan Discounts: Receive up to 0.50% off your auto loan rate based on: 0.50% 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 on our rates page, inclusive of any applicable rate discounts. 0.50% 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 (0.50%). 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 6.99% APR for 60 months will have an estimated monthly payment of $297; a $15,000 used vehicle loan at 6.99% APR for 60 months will have an estimated monthly payment of $297. 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 here for full terms and conditions and Rates page for current rates. All loans are subject to credit approval.

Signature Loan Discounts: Receive up to 0.50% off your loan rate based on: 0.50% 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

First-Time Home Buyers Program: For terms and conditions and current rates, visit Mortgage Loan page. All loans are subject to credit approval.

Up 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.

Zelle®

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

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

Trust & Will

SkyOne 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.

Wealth Management Consultation Services

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

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 of a request for a QuickPay account, 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 skyonesandbox.kinsta.cloud.

SmartPay Account:

APY=Annual Percentage Yield. SmartPay earns 1.00% Annual Percentage Yield (APY). Rates are variable and may change after account opening without notice. View our most current rates here. APY accurate as of October 23, 2026.

Dividend Information:
Dividends wil be credited monthly. Fees may reduce earnings on the account.

Balance Computation Method:
Dividends are calculated by the average daily balance method, which applies to a periodic rate to the average daily balance in the account for the period.

Accrual of Dividends:
Dividends will begin to accrue on the effective business day you deposit non-cash items (e.g., checks) to your account if deposited before the close of business.

Minimum Balance Requirements:
The minimum balance required to open this account is $20.00.

Monthly Service Fee:
A $4.95 monthly maintenance fee applies to the SmartPay account. This fee is not waivable. Fees may reduce earnings on the account.

Additional fees may apply. Refer to the Schedule of Services Charges for a complete listing of fees.

Transaction Limitations:
No transaction limitations apply to this account.

Electronic Services:
Upon approval of a request for a SmartPay account, the Credit Union will send the member and joint owner(s) each a SkyOne ATM/VISA Debit Card. Separate registration is required for online and mobile banking access at www.skyone.org.

Overdraft Privilege Services
Overdraft services are subject to eligibility requirements.

• Overdraft Privilege Fee: Refer to Schedule of Service Charges
• SmartPay account holders may receive
  • One (1) overdraft privilege fee waiver every six (6) months
  • Maximum of two (2) waived overdraft privilege fees per every twelve (12) months.

Additional overdrafts may be paid and subject to fees.

Skip-A-Pay
Skip-A-Pay service is subject to eligibility requirements and are available on eligible loans only.

• Skip-A-Pay Fee: Refer to Schedule of Services Charges
• SmartPay account holders may receive a maximum of one (1) Skip-A-Pay fee waiver every twelve (12) months. Additional Skip-A-Pay requests may be available on eligible loans but will be subject to the applicable Skip-A-Pay fee.

Additional terms, conditions, and restrictions may apply. For full terms and conditions visit Terms and Conditions.

PlatinumPay:

Rate Information
Rates and terms are effective as of 09/15/2026 and are variable, subject to change after account opening without notice. Rate information is available at skyonesandbox.kinsta.cloud/rates.

You must maintain a minimum average daily balance of $2,500 to earn dividends.

Dividend Information
Dividends are compounded and credited monthly.

Fees may reduce earnings on the account.

Minimum Balance to Open
$20.00.

Monthly Service Fee
A monthly service fee applies. Refer to the Schedule of Service Charges for details.

Ways to Avoid the Monthly Service Fee
The monthly service fee will be waived when you meet one of the following during each statement period:

• Maintain an average daily balance of $25,000+ in your PlatinumPay account
• Maintain an average daily balance of $150,000+ across all shares within the same membership the PlatinumPay share is held

Transaction Limitations
None apply.

Other Fees
Additional fees may apply. See the Schedule of Service Charges.

Electronic Services
SkyOne VISA® Debit Cards are issued upon account approval. Online and mobile banking enrollment is required separately.

Eligibility
PlatinumPay is available to U.S. residents age 18 or older with a valid Social Security Number. Certain account types are not eligible, including minors, custodial accounts, trusts, estates, and representative payee accounts.

ATM Fee Reimbursement
Up to four (4) ATM fees per month are reimbursed, with a maximum reimbursement of $3.00 per transaction. Reimbursements are credited on the first business day of the following month.