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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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^§Alimony, child support and separate maintenance income need not be revealed if you do not wish to have them considered as a basis for repaying this obligation.

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Because membership is required to take advantage of this wonderful loan product, please tell us how you qualify for membership.

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Available Products

Savings Checking Money Market Certificate Account

Savings

APY: 0.09% Min Deposit: $0.00

Holiday Savings

Make it a Happy Holiday. Charlotte Metro's Holiday Savings accounts are an easy way to set aside for those special holiday gifts. Just $10 opens your account and automatic deposits make saving seamless. Dividends accrue daily and are paid quarterly. Withdrawals are free between November 1st and December 31st.

APY: 0.05% Min Deposit: $10.00

Simply Checking

Everything you need - for free! This checking program features no monthly fee, no minimum balance requirement, a free Visa debit card for easy access wherever you shop or pay, and automatic overdraft protection from your savings account.

Min Deposit: $0.00

Simply Elite Checking

With Simply Elite Checking, you gain access to exclusive discounts on everyday purchases, our comprehensive identity theft protection, tiered interest rates, and more. Plus all the perks of Simply Checking! Low monthly cost of $4.95 with $1 of the cost donated to the Skyla Foundation!

APY: 0.50% Min Deposit: $0.00

Money Market

Money making horsepower with greater accessibility. Money Market accounts are ideal for customers who maintain higher account balances but prefer anytime access.

Max APY: 2.75% Min Deposit: $1,000.00

6 Month CD

APY: 5.10% Min Deposit: $500.00

1 Year CD

APY: 5.25% Min Deposit: $500.00

18 Month CD

APY: 5.15% Min Deposit: $500.00

2 Year CD

APY: 5.05% Min Deposit: $500.00

3 Year CD

APY: 4.95% Min Deposit: $500.00

4 Year CD

APY: 4.50% Min Deposit: $500.00

5 Year CD

APY: 4.50% Min Deposit: $500.00

6 Month Jumbo CD

APY: 5.35% Min Deposit: $50,000.00

1 Year Jumbo CD

APY: 5.50% Min Deposit: $50,000.00

18 Month Jumbo CD

APY: 5.40% Min Deposit: $50,000.00

2 Year Jumbo CD

APY: 5.30% Min Deposit: $50,000.00

3 Year Jumbo CD

APY: 5.20% Min Deposit: $50,000.00

Senior CD "50+"

APY: 5.45% Min Deposit: $500.00

Senior Jumbo CD "50+"

APY: 5.70% Min Deposit: $50,000.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	1.49%	1.50%	$1,000.00	N/A
.	1.49%	1.50%	$10,000.00	N/A
.	1.49%	1.50%	$25,000.00	N/A
.	1.74%	1.75%	$50,000.00	N/A
.	2.23%	2.25%	$75,000.00	N/A
.	2.72%	2.75%	$100,000.00	N/A

Funding

Your funds will not be transferred until all of your accounts are approved

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Credit Card

Transfer From A Financial Institution

A minimum deposit of $0 in your Account is required to fund your Secured Credit Card. Please enter the amount that you wish to deposit and secure on your new card.

Please answer question(s) below

Did you add a joint owner on your application? For a joint account with rights of survivorship, upon the death of one (1) of the owners, the money remaining in the account will belong to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner’s interest passes to his or her estate. A surviving owner’s interest is subject to the credit union’s statutory lien for the deceased owner’s obligations, and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it.*

Under penalties of perjury, I certify that; (1) The number shown on this application is my correct taxpayer identification number, (2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding and (3) I am a US citizen (including a US resident alien).Note: If you are subject to backup withholding 28% of interest paid will be sent to the IRS. *

By checking this box you are requesting E-Statements. You also acknowledge that you have read and agree to the E-statement Terms and Conditions*

Yes

Protection that Matters

Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products

Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?

Interested

Not Now

Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.

Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?

Interested

Not Now

MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.

Would you like more information about protecting your loan with GAP from your lender?

Interested

Not Now

Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.

Would you like more information about Mechanical Repair Coverage from your lender?

Interested

Not Now

Read, Sign and Submit

Your application is not complete until you read the disclosure below and click the ''I Agree" button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

By checking this box, I / we agree to the terms and conditions of the Membership and Account Agreement , Truth-in-Savings Rate and Fee schedule, and to any amendment the lender makes from time to time, which are incorporated herein. I / we acknowledge receipt of a copy of the Agreement and Disclosures applicable to the accounts and services requested herein (please download and save a copy for your reference). I / We authorize Skyla Federal Credit Union to obtain a credit report from a credit reporting agency. I/We may contact the credit union to obtain the name and address of the credit reporting agency that provided this report. If this is a joint applicant, each applicant certifies he/she is applying for joint credit.

Yes, I authorize Skyla Federal Credit Union to send communications and disclosures in an electronic format. I understand if I wish to revoke this authorization, I must contact the credit union to do so. To view the entire Electronic Transactions Authorization, click here.

There's a good chance you either live in an area or work for an employer that qualifies you for a Skyla membership. If not - no worries! You're eligible to join via the American Consumer Council (ACC).

By checking this box, you're consenting to a membership with American Consumer Council (ACC) to be able join the Credit Union (if necessary). The best part? It's at no cost or obligation to you if necessary.

By checking this box, I/We agree to the terms and conditions of the Privacy Disclosure, Membership and Account Agreement, Truth-In-Savings Disclosure and to any amendments the lender may make, from time to time, which are incorporated herin, including by not limited to Extended Check Holds, ATM deposit capabilities, and rental card purchases which apply to any share, checking, certificates, or other share accounts you open; the Funds Availability Policy Disclosure which applies to any share, checking accounts you open, if applicable, and to any amendment the Credit Union makes from time to time which are incorporated herein.
I/We acknowledge receipt of a copy of the agreements and disclosures applicable to the accounts and services I/We have requested from the Credit Union. If an EFT service is requested and provided, I/We agree to the terms of and acknowledge receipt of the Electronic Fund Transfers Agreement and Disclosure.
I/We authorize Skyla Federal Credit Union to obtain financial information from applicable consumer and/or national credit reporting agency(ies). I/We may obtain the name and address of the consumer and/or national credit reporting agency(ies) used to provide the financial information. If there is a joint application, each of the applicants certifies that he/she is applying for joint membership. The Internal Revenue service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding. (Please download and save copies for your reference.)

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