66000+ ATMs Nationwide - SkyOne Federal Credit Union

Get an Instant Quote
NEW
On Loan Protection, GAP, and MBP—all in one place!
Preparing for the unexpected starts with a simple quote at www.SkyOne.org.
Loan Protection protects your credit and your family in the event of death, disability,
or involuntary unemployment.
Guaranteed Auto Protection (GAP) eliminates the “out of pocket” expenses for the
“gap” between your loan balance and actual insurance settlement amount, in the event
your vehicle is damaged beyond repair or stolen and never recovered.
Mechanical Breakdown Protection (MBP) can offer significant savings on extended
warranty coverage when compared to dealer rates. For a fraction of what auto dealers
charge for similar coverage, you can protect your new and used vehicles from possible
unforeseen mechanical issues.
Just go to the Auto or Toy Loans page and click on the Insurance & Protection tab.
Administrative Headquarters
14600 Aviation Boulevard
Hawthorne, CA 90250
Phone: 800.421.7111
Telephone Service Hours
M – F 7:00 am – 4:00 pm, Pacific
Cashless Branch Office Hours
M – F 8:00 am – 4:00 pm, Pacific
SkyOne Federal Credit Union
Quarter 3, 2014
Briarwood Office
138-44 Queens Boulevard, Suite 1B
Briarwood, NY 11435-2653
M – F 9:00 am – 5:00 pm, Eastern
Northwest Mountain Regional Office and ATM
1601 Lind Avenue SW, Suite 116
Renton, WA 98057-3357
M – F 7:00 am – 3:00 pm, Pacific
South San Francisco Office
943 El Camino Real
South San Francisco, CA 94080
M – F 9:00 am – 5:00 pm, Pacific
Western Pacific Regional Office and ATM
15000 Aviation Boulevard, Room 1001
Lawndale, CA 90261-1000
66,000+ ATMs
Nationwide
M – F 7:00 am – 10:45 am, 11:30 am – 3:00 pm
Mark Your Calendar
SkyOne Offices will be closed to observe:
Independence Day, July 4
Labor Day, September 1
Then follow the steps to get your instant quote!
Website
www.SkyOne.org
Mobile Website m.SkyOne.org
Toll-Free Number
800.421.7111
Sky Fone 24/7 Audio Banking 800.523.9164
To report a lost or stolen:
SkyOne Debit Card
888.241.2510
Outside the U.S. 909.941.1398 SkyOne ATM Card
800.421.7111
800.682.6075
SkyOne VISA® Credit Card
Credit Card Fraud Prevention
Within the U.S. 800.411.8498
Outside the U.S. 206.352.3516
Board of Directors
See how affordable it is to protect your credit and your investment.
Your savings are federally insured to at least
$250,000 and backed by the full faith and
credit of the United States Government.
Chairman
Vice Chairman
Recording Officer
Treasurer
Director
Supervisory Committee
Theodore P. Byrne
Richard N. Fossier
Antonia L. Garcia
Rick R. Thompson
Robin Cooke Rush
Get a quote today at SkyOne.org
Like us on Facebook/SkyOne.org
Willoughby E. Henshaw
John G. Clancy
Malachy T. Coghlan
Douglas R. Murphy
M. Wayne Lynch
More surcharge-free ATMs than Bank of America, Chase, and Wells Fargo combined.
Now you have even more surcharge-free access to your money!
We recently added 40,000 ATMs from the Allpoint and STARsf Networks to our family of ATM locations!
Combined with our existing CO-OP ATM Network, you can withdraw cash surcharge-free at 66,000+
ATMs nationwide.
• Make deposits at select CO-OP ATMs
• Get cash surcharge-free in UK and Puerto Rico, wherever you see the Allpoint logo
• Surcharge-free cash access at 2,000+ MoneyCenter Express
machines in Walmart and Sam’s Club stores
Going shopping? You can get cash at your favorite retailers’ ATMs too!
Chairman
Secretary
66,000 ATMs
Nationwide 66,000 ATMs
Follow us on Twitter @SkyOneFCU
Management Team
Eileen C. Rivera
Astrid Rives
Lourdes Ruano
Jeff Smith
Jaime Vasquez
President/CEO
Chief Marketing Officer
Chief Financial Officer
Chief Operations Officer
Chief Technology Officer
®
Locate a surcharge-free ATM near you at
www.SkyOne.org/atm
2
The Investment Center
A message from the President/CEO
Does your mid-career retirement plan measure up?
An Evolving SkyOne
Determining whether or not your goals are feasible
I’m proud and excited about several important achievements SkyOne made during the second
quarter of 2014.
Eileen Rivera
President/CEO
We introduced Borrow and Save, a small-dollar loan program designed to help members
break the cycle of payday loans, which often charge exorbitant interest rates and fees for
people least able to afford them. Borrow and Save offers the same low, fixed interest rate to
everyone—regardless of credit score.
In late April, we launched our new website with a mobile-friendly interface and a more user-friendly navigation. You
can get Instant Answers about your account, locate a Shared Branch or ATM, and even share comments or rate our
products and services. If you haven’t already seen it, please take a moment to check out the new SkyOne.org.
On June 1, we completed the system conversion to provide the 1,900 International Airline Employees Federal Credit
Union (IAEFCU) members access to their accounts at SkyOne. This was a big change to many members, and we truly
appreciate their understanding during the conversion. I’d like to give a sincere thanks to the entire SkyOne crew­—all of
whom were instrumental in helping IAEFCU members with their transition to SkyOne.
In June, we also expanded our network of surcharge-free ATMs to more than 66,000 nationwide.
That’s more ATMs nationwide than Bank of America, Chase, and Wells Fargo combined!
And our Board of Directors appointed a new Chairman, Mr. Willoughby (Bill) E. Henshaw. Bill has
served on the board since 2009, the Supervisory Committee from 1999 to 2009, and he has
over 35 years of service with the FAA. We look forward to having Bill as Chairman, and know
his experience and knowledge will help SkyOne stay its course towards building a better service
experience for our members.
Welcome to the Family
Questions to help you reach your retirement savings goals
Geoffrey Palenik, CRPC®
CFS* Financial Advisor at SkyOne
Have your retirement income needs changed? As life happens, our needs and goals change along with it. To live a similar
lifestyle in retirement as you do now, you may need to replace 80 to 90 percent of your current annual working income.
Can you contribute a little more? The contribution rate you previously chose may or may not still be appropriate for you. If
possible, you should consider contributing as much extra cash as possible right now, and increasing your contributions as you
receive raises.
When was the last time you adjusted your investment mix? As you get closer to retirement, consider moving to more
conservative investment options to help safeguard the account balance you’ve accumulated.
Get the assistance of a seasoned financial planning professional.
As the CFS* advisor for SkyOne members, I’m here to help you navigate the course towards retirement. Contact me for a
complimentary review of your financial picture.
Geoff Palenik, CFS* Financial Advisor at SkyOne
[email protected] | 800.421.7111 x7581
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment
Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment
risk including possible loss of principal. Investment Representatives are registered through CFS. SkyOne Federal Credit Union has contracted with CFS to make non-deposit investment
products and services available to credit union members.
Willoughby E. Henshaw
Bill Henshaw’s predecessor, M. Wayne Lynch, is now serving as our Director. Wayne has played
a monumental part in SkyOne’s positive growth over the past 6 years, and we’re proud of the
direction the Board of Directors has steered us under his leadership.
As SkyOne continues to evolve through new technologies, products and services, and leadership,
we remain dedicated to one thing: helping you and your family with all your financial needs. And
your input helps us serve you better. Leave a comment or rating on our website at www.SkyOne.
org, like us and comment on our Facebook at www.SkyOne.org/Facebook, or tweet us at
@SkyOneFCU. We look forward to hearing more from you!
How early we start planning and how much we put away has a huge impact on reaching our retirement goals.
And regular reviews of your financial plans help you stay on track. If you’re at the mid-way point in your career,
now is a good time to determine if you’re saving enough to meet your retirement goals.
Get the funds you need
while building a foundation for savings.
Why it’s great:
How it works:
18%
M. Wayne Lynch
APR*
FIXED
RATE
BORROW AND SAVE Take out a small
loan up to $1,000,
get 50% in cash
Make your
payments every
month on time
Pay off the loan
and improve
your credit
Get the remaining
50% of the loan
amount in cash!
$500 - $1,000 Loan
6 - 12 Month Terms
Financial Education Support
Improve Your Credit
A Division of SkyOne Federal Credit Union
From all of us at SkyOne, we’d like to give you a warm welcome. We
look forward to helping you and your family reach your financial goals
for years to come.
Apply for Borrow and Save
Go to SkyOne.org/borrowandsave
call 800.421.7111.
*APR=Annual Percentage Rate. Published rate as of 07.01.14, restrictions apply. Acceptance is not guaranteed. The Borrow and Save program is subject to change at any time. The
remaining loan proceeds will be held in the Savings Account until the Borrow and Save Loan has been paid off, and will earn interest based on the Regular Share Dividend Rate applicable
during the term of the loan. Your Borrow and Save Loans must be paid off before you can apply for a new Borrow and Save Loan. Limit 3 Borrow and Save loans per year.
2
The Investment Center
A message from the President/CEO
Does your mid-career retirement plan measure up?
An Evolving SkyOne
Determining whether or not your goals are feasible
I’m proud and excited about several important achievements SkyOne made during the second
quarter of 2014.
Eileen Rivera
President/CEO
We introduced Borrow and Save, a small-dollar loan program designed to help members
break the cycle of payday loans, which often charge exorbitant interest rates and fees for
people least able to afford them. Borrow and Save offers the same low, fixed interest rate to
everyone—regardless of credit score.
In late April, we launched our new website with a mobile-friendly interface and a more user-friendly navigation. You
can get Instant Answers about your account, locate a Shared Branch or ATM, and even share comments or rate our
products and services. If you haven’t already seen it, please take a moment to check out the new SkyOne.org.
On June 1, we completed the system conversion to provide the 1,900 International Airline Employees Federal Credit
Union (IAEFCU) members access to their accounts at SkyOne. This was a big change to many members, and we truly
appreciate their understanding during the conversion. I’d like to give a sincere thanks to the entire SkyOne crew­—all of
whom were instrumental in helping IAEFCU members with their transition to SkyOne.
In June, we also expanded our network of surcharge-free ATMs to more than 66,000 nationwide.
That’s more ATMs nationwide than Bank of America, Chase, and Wells Fargo combined!
And our Board of Directors appointed a new Chairman, Mr. Willoughby (Bill) E. Henshaw. Bill has
served on the board since 2009, the Supervisory Committee from 1999 to 2009, and he has
over 35 years of service with the FAA. We look forward to having Bill as Chairman, and know
his experience and knowledge will help SkyOne stay its course towards building a better service
experience for our members.
Welcome to the Family
Questions to help you reach your retirement savings goals
Geoffrey Palenik, CRPC®
CFS* Financial Advisor at SkyOne
Have your retirement income needs changed? As life happens, our needs and goals change along with it. To live a similar
lifestyle in retirement as you do now, you may need to replace 80 to 90 percent of your current annual working income.
Can you contribute a little more? The contribution rate you previously chose may or may not still be appropriate for you. If
possible, you should consider contributing as much extra cash as possible right now, and increasing your contributions as you
receive raises.
When was the last time you adjusted your investment mix? As you get closer to retirement, consider moving to more
conservative investment options to help safeguard the account balance you’ve accumulated.
Get the assistance of a seasoned financial planning professional.
As the CFS* advisor for SkyOne members, I’m here to help you navigate the course towards retirement. Contact me for a
complimentary review of your financial picture.
Geoff Palenik, CFS* Financial Advisor at SkyOne
[email protected] | 800.421.7111 x7581
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment
Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment
risk including possible loss of principal. Investment Representatives are registered through CFS. SkyOne Federal Credit Union has contracted with CFS to make non-deposit investment
products and services available to credit union members.
Willoughby E. Henshaw
Bill Henshaw’s predecessor, M. Wayne Lynch, is now serving as our Director. Wayne has played
a monumental part in SkyOne’s positive growth over the past 6 years, and we’re proud of the
direction the Board of Directors has steered us under his leadership.
As SkyOne continues to evolve through new technologies, products and services, and leadership,
we remain dedicated to one thing: helping you and your family with all your financial needs. And
your input helps us serve you better. Leave a comment or rating on our website at www.SkyOne.
org, like us and comment on our Facebook at www.SkyOne.org/Facebook, or tweet us at
@SkyOneFCU. We look forward to hearing more from you!
How early we start planning and how much we put away has a huge impact on reaching our retirement goals.
And regular reviews of your financial plans help you stay on track. If you’re at the mid-way point in your career,
now is a good time to determine if you’re saving enough to meet your retirement goals.
Get the funds you need
while building a foundation for savings.
Why it’s great:
How it works:
18%
M. Wayne Lynch
APR*
FIXED
RATE
BORROW AND SAVE Take out a small
loan up to $1,000,
get 50% in cash
Make your
payments every
month on time
Pay off the loan
and improve
your credit
Get the remaining
50% of the loan
amount in cash!
$500 - $1,000 Loan
6 - 12 Month Terms
Financial Education Support
Improve Your Credit
A Division of SkyOne Federal Credit Union
From all of us at SkyOne, we’d like to give you a warm welcome. We
look forward to helping you and your family reach your financial goals
for years to come.
Apply for Borrow and Save
Go to SkyOne.org/borrowandsave
call 800.421.7111.
*APR=Annual Percentage Rate. Published rate as of 07.01.14, restrictions apply. Acceptance is not guaranteed. The Borrow and Save program is subject to change at any time. The
remaining loan proceeds will be held in the Savings Account until the Borrow and Save Loan has been paid off, and will earn interest based on the Regular Share Dividend Rate applicable
during the term of the loan. Your Borrow and Save Loans must be paid off before you can apply for a new Borrow and Save Loan. Limit 3 Borrow and Save loans per year.
Get an Instant Quote
NEW
On Loan Protection, GAP, and MBP—all in one place!
Preparing for the unexpected starts with a simple quote at www.SkyOne.org.
Loan Protection protects your credit and your family in the event of death, disability,
or involuntary unemployment.
Guaranteed Auto Protection (GAP) eliminates the “out of pocket” expenses for the
“gap” between your loan balance and actual insurance settlement amount, in the event
your vehicle is damaged beyond repair or stolen and never recovered.
Mechanical Breakdown Protection (MBP) can offer significant savings on extended
warranty coverage when compared to dealer rates. For a fraction of what auto dealers
charge for similar coverage, you can protect your new and used vehicles from possible
unforeseen mechanical issues.
Just go to the Auto or Toy Loans page and click on the Insurance & Protection tab.
Administrative Headquarters
14600 Aviation Boulevard
Hawthorne, CA 90250
Phone: 800.421.7111
Telephone Service Hours
M – F 7:00 am – 4:00 pm, Pacific
Cashless Branch Office Hours
M – F 8:00 am – 4:00 pm, Pacific
SkyOne Federal Credit Union
Quarter 3, 2014
Briarwood Office
138-44 Queens Boulevard, Suite 1B
Briarwood, NY 11435-2653
M – F 9:00 am – 5:00 pm, Eastern
Northwest Mountain Regional Office and ATM
1601 Lind Avenue SW, Suite 116
Renton, WA 98057-3357
M – F 7:00 am – 3:00 pm, Pacific
South San Francisco Office
943 El Camino Real
South San Francisco, CA 94080
M – F 9:00 am – 5:00 pm, Pacific
Western Pacific Regional Office and ATM
15000 Aviation Boulevard, Room 1001
Lawndale, CA 90261-1000
66,000+ ATMs
Nationwide
M – F 7:00 am – 10:45 am, 11:30 am – 3:00 pm
Mark Your Calendar
SkyOne Offices will be closed to observe:
Independence Day, July 4
Labor Day, September 1
Then follow the steps to get your instant quote!
Website
www.SkyOne.org
Mobile Website m.SkyOne.org
Toll-Free Number
800.421.7111
Sky Fone 24/7 Audio Banking 800.523.9164
To report a lost or stolen:
SkyOne Debit Card
888.241.2510
Outside the U.S. 909.941.1398 SkyOne ATM Card
800.421.7111
800.682.6075
SkyOne VISA® Credit Card
Credit Card Fraud Prevention
Within the U.S. 800.411.8498
Outside the U.S. 206.352.3516
Board of Directors
See how affordable it is to protect your credit and your investment.
Your savings are federally insured to at least
$250,000 and backed by the full faith and
credit of the United States Government.
Chairman
Vice Chairman
Recording Officer
Treasurer
Director
Supervisory Committee
Theodore P. Byrne
Richard N. Fossier
Antonia L. Garcia
Rick R. Thompson
Robin Cooke Rush
Get a quote today at SkyOne.org
Like us on Facebook/SkyOne.org
Willoughby E. Henshaw
John G. Clancy
Malachy T. Coghlan
Douglas R. Murphy
M. Wayne Lynch
More surcharge-free ATMs than Bank of America, Chase, and Wells Fargo combined.
Now you have even more surcharge-free access to your money!
We recently added 40,000 ATMs from the Allpoint and STARsf Networks to our family of ATM locations!
Combined with our existing CO-OP ATM Network, you can withdraw cash surcharge-free at 66,000+
ATMs nationwide.
• Make deposits at select CO-OP ATMs
• Get cash surcharge-free in UK and Puerto Rico, wherever you see the Allpoint logo
• Surcharge-free cash access at 2,000+ MoneyCenter Express
machines in Walmart and Sam’s Club stores
Going shopping? You can get cash at your favorite retailers’ ATMs too!
Chairman
Secretary
66,000 ATMs
Nationwide 66,000 ATMs
Follow us on Twitter @SkyOneFCU
Management Team
Eileen C. Rivera
Astrid Rives
Lourdes Ruano
Jeff Smith
Jaime Vasquez
President/CEO
Chief Marketing Officer
Chief Financial Officer
Chief Operations Officer
Chief Technology Officer
®
Locate a surcharge-free ATM near you at
www.SkyOne.org/atm