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Eligibility

Applying is fast and easy!

You will need the following information in order to complete the application:

Government issued ID/Drivers License/State ID with current address or Passport

Your complete physical and mailing address

Social Security Number

Date of Birth

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Select your eligibility

I live, work, attend school, worship, or volunteer in an eligible area:

Select one:Area:

I am eligible through my relationship to a current family or household member:

Member's Full Name:Your relationship to our current member:

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Required Products

Select at least one of the following products required for membership

Savings

APY: 0.05% Min Deposit: $5.00

You may select one of the following products

Available Products

Recommended Savings Money Market Certificate Account

Checking

A simple and free to open checking account. Adding a checking account waives the minimum balance requirement associated with the regular savings.

Min Deposit: $0.00

High Yield Checking

Earn premium, tiered dividend rates each month when qualification requirements are met—designed to maximize your earnings on everyday banking.

Max APY: 4.00% Min Deposit: $0.00

Cash Back Checking

Get rewarded with 2% cash back on up to $500 in purchases each month when qualifications are met, putting money back in your pocket with every swipe.

Min Deposit: $0.00

Money Market

Max APY: 1.60% Min Deposit: $0.00

Premium Money Market

Max APY: 1.75% Min Deposit: $100.00

Holiday Club

For your convenience, funds in this account will automatically transfer annually on November 1st to your Savings account.

APY: 0.05% Min Deposit: $0.00

Special Savings

Whether you are looking to better organize your finances or start saving for a future purchase, Special Savings are a great way to get started.

APY: 0.05% Min Deposit: $0.00

Summer Savings

This account is designed for 10-month employees. Take deductions from your direct deposit each pay period and during the summer months (July and August) your money is distributed in either a lump sum or five distributions.

APY: 0.05% Min Deposit: $0.00

6-Month Share Certificate

APY: 3.50% Min Deposit: $1,000.00

7-Month Special Share Certificate

APY: 4.00% Min Deposit: $1,000.00

12-Month Share Certificate

APY: 3.75% Min Deposit: $1,000.00

24-Month Share Certificate

APY: 3.60% Min Deposit: $1,000.00

36-Month Share Certificate

APY: 3.60% Min Deposit: $1,000.00

48-Month Share Certificate

APY: 3.60% Min Deposit: $1,000.00

60-Month Share Certificate

APY: 3.60% Min Deposit: $1,000.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.50%	0.50%	$20,000.01	$20,000.01	N/A
.	3.93%	4.00%	$0.01	$0.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.00%	0.00%	N/A	$0.00	N/A
.	1.00%	1.00%	N/A	$1,000.00	N/A
.	1.29%	1.30%	N/A	$10,000.00	N/A
.	1.39%	1.40%	N/A	$25,000.00	N/A
.	1.59%	1.60%	N/A	$50,000.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.05%	0.05%	$100.00	$100.00	N/A
.	1.74%	1.75%	$35,000.00	$35,000.00	N/A

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Description

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Funding

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Total Deposit

How do you want to fund your new account?

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Credit Card

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Funding Reminders

It could take 2-3 business days for funds to reach your new account.
If your account is not opened, then any provided funds will be returned to you.
If you want to deposit more than the maximum amount, then you can add more funds after the account is opened.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

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

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

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Tell Us About Yourself

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of SkyPoint Federal Credit Union?

SSN

Show SSN

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

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Housing Payment

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

Please attach your current government issued photo ID.

Click or tap here to capture or upload an image or document.

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

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Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

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Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

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About Your Joint Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of SkyPoint Federal Credit Union?

SSN

Show SSN

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

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

Upload Documents

Please attach your current government issued photo ID.

Click or tap here to capture or upload an image or document.

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Tell us about your beneficiaries

Add an additional beneficiary

Are you sure you want to remove this beneficiary?

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Cancel

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

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Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Review and Submit

Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Joint Applicant Employment Information

Beneficiary Information

Funding Source

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Please answer the following question(s)

TIN Certification and Backup Withholding Information

Under penalties of perjury, I certify that:

The SSN or TIN provided is my correct taxpayer identification number (or I am waiting for a number to be issued), and
I am not subject to backup withholding because:
- I am exempt from backup withholding, or
- I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or
- the IRS has notified me that I am no longer subject to backup withholding, and
I am a U.S. citizen or other U.S. person. For federal tax purposes, you are considered a U.S. person if you are: an individual who is a U.S. citizen or U.S. resident alien; a partnership, corporation, company, or association created or organized in the United States or under the laws of the United States; an estate (other than a foreign estate); or a domestic trust.

How did you hear about us?*

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By continuing you agree to the terms and conditions of our Better Twogether program.*

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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.

Email me all below disclosure link(s)

Account Agreement

Electronic Communication Disclosure

Funds Availability Policy

Service Charge Schedule

I/we acknowledge that membership/ account ownership at SkyPoint Federal Credit Union comes with certain ongoing responsibilities. I/ we have read and agreed to abide by all terms and conditions as provided above, I/we acknowledge that my/our property may be transferred to the appropriate state if there has been no activity on any of my/our accounts with the time period specified by the applicable state law. By checking this box and clicking on “I Agree”, I’m creating an e-signature that has the same legal effect as a handwritten signature. My signature evidences my agreement to the disclosure listed above and my certification as indicated above.

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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

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Authentication Questions

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'Doing Business As' Information

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Minor Applicant Information

Joint Applicant Information

Beneficiaries Information

Beneficiaries percent share information page

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