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Access your personal and business accounts.

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Move and grow your money

Rates that do the work while you live your life. APYs are variable and current as of September 2026.

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Featured rate

Growth Savings

High-yield savings with optional round-ups from checking. No minimum to open.

4.50%

APY · $0 minimum to open

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Everyday Checking

No monthly fee · ATM rebate up to $10/mo

0.10% APY

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11-month CD

Lock in a higher rate · $1,000 minimum

5.15% APY

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Banking smarter is easier than ever

Checking, savings, cards, and wires in one login. Freeze a card, download a statement, and send money from the same place.

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Choose how you want to move

Three ways to bank with Skydek — same design, same people, different goals.

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Personal

Checking, savings, and rewards

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Business

Operating accounts and payroll

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Wealth

Portfolios and retirement

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Loans

Borrow with a rate you can see

Mortgages, auto, and personal loans with straightforward APRs and a human who will walk the numbers with you.

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Home mortgage

6.25% APR

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Auto loan

5.89% APR

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Personal loan

8.49% APR

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Your financial goals matter

We can help you reach them with clear guides on accounts, borrowing, and everyday money habits.

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Sign in for balances, transfers, cards, and lending, or open Help if you need us.

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How we operate

  1. 1

    Accounts are opened and funds moved solely through authenticated online banking or a signed written authorization. Intra-bank transfers settle the same day once identity checks conclude. External ACH, wires, and linked-bank pulls follow published cut-off times and may take additional business days. We do not accept verbal instructions to open an account, change a payee, or release a hold.

  2. 2

    Deposits are held with encrypted sessions and account controls you can review in online banking. Continuous fraud monitoring covers cards, logins, and unusual payment patterns. A card may be frozen from the member dashboard without delay; unfreezing requires the same authenticated session. Skydek will not ask you to disable monitoring, share a screenshot of a one-time code, or install software to “verify” a transfer.

  3. 3

    Access is granted only after identity verification. Only authorized personnel may view or instruct on funds, and dual control applies to high-value wires and new payees. Skydek does not send login links by email, nor request one-time codes by telephone. Device recognition, session timeouts, and password standards are enforced on every portal page. If we cannot confirm you, we will decline the request rather than complete it.

  4. 4

    Every deposit, payment, and wire is entered in the member’s transaction history and retained so statements and tax-ready exports remain complete. Monthly statements are available in online banking; paper copies may be requested through Help. We do not alter posted entries except to correct a documented error, in which case a reversing record is shown. Members are expected to review activity promptly and report unauthorized items without delay.

  5. 5

    Fees and APYs are disclosed on the fee schedule and are variable unless a certificate or loan note states otherwise. Checking, savings, credit, and banking solutions for personal, business, and wealth are available under one login. Highlighted rates are current as of the date shown and may change. There is no monthly maintenance fee on Everyday Checking or Growth Savings; other products, wires, and out-of-network ATM use may carry charges as published.

  6. 6

    Enrollment constitutes agreement to the terms and conditions and privacy policy. We collect only what is required to open, service, and safeguard the account, and we do not sell member data. Governing law, dispute procedures, and electronic-communications consent are set out in those documents.