*A BRIGHT BONUS FOR EVERYDAY BANKING PROMOTION

Promotion runs 02/11/2026 through 04/10/2026 at 11:59 pm EST

One bonus payout eligible per qualifying checking account and per member tax identification number. This is a limited time offer and is not available for use in combination with other offers.

Offer is only available for:

• Residents of NC or SC. Valid Government Issued Photo ID may be required for proof of residency.

How it Works:

• Open a new Skyla Simply Prosper checking account or Skyla Wealth checking account between February 11 – April 10, 2026 at 11:59 pm EST, and meet and maintain account requirements. Details:
  • Simply Prosper Checking: To be eligible, the Simply Prosper Checking account must be opened on or after February 11, 2026. Within the first 60 days of account opening, monthly activity qualifications to earn the 4.00% Annual Percentage Yield (APY) must be met and maintained to receive payout.
  • Skyla Wealth Checking: To be eligible, the Skyla Wealth Checking account must be opened on or after February 11, 2026. To receive the 4.00% Annual Percentage Yield (APY), members must meet Skyla Wealth membership requirements.
• Fund your accounts (combination of Skyla Credit Union checking and savings accounts with:

1. $10,000 - $49,999 of net new assets to receive $150
2. $50,000 - $99,999 of net new assets to receive $550
3. $100,000 - $249,999 of net new assets to receive $750
4. $250,000 - $499,999 of net new assets to receive $1,050
5. $500,000+ of net new assets to receive $1,550

• Maintain the net new asset balances above for a minimum of 90-days to receive the associated cash bonus incentive.

Bonus payouts will be paid within 120 days of completing all requirements.

Bonus payouts will end on 08/10/2026. Skyla reserves the right to make promotion changes. Offer may be extended, modified, or discontinued at any time and may vary by market. Reproduction, purchase, sale, transfer or trade of this offer is prohibited. Any account closed within 90-days will be subject to deduction of cash bonus amount at the time of closing.

All checking account applications are subject to approval.

Skyla CU may report bonus value to the IRS as required by law and may be taxable to you. Please consult your tax advisor regarding your specific situation.

A “Qualifying Direct Deposit” is a minimum direct deposit amount of $500 of regular monthly income – such as your salary, pension, or Social Security benefits, which are made by your employer or government entity – using account and routing numbers that you provide to them. Minimum direct deposit amount will vary based on checking account type as described above. Qualifying Direct Deposits to the same account may be combined to satisfy the minimum deposit requirement amount.

A “Non-qualifying Direct Deposit” are transfers and deposits such as: teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, transfers from a bank or brokerage account or investment account or transfers or deposits from Digital Wallet providers such as Cash App, Zelle, Mobile Remote Deposit, or Venmo.

A “Qualifying Checking Account” is a newly opened eligible checking account that receives a Qualifying Direct Deposit within 60 days of checking account opened date; either of which must be in good standing at the time of bonus payout. All checking accounts must meet all other requirements.

A "Non-qualifying Checking Account" is defined as any of the following:

• An existing Skyla checking account opened prior to 02/11/2026;
• A Skyla checking account opened after 04/10/2026;
• A checking account opened between 02/11/2026 and 04/10/2026 that does not meet account activity requirements;
• A Simply Prosper checking account that does not have a direct deposit started within 60 days of account opening;
• Any checking account not in good standing at the time of payout;
• Any checking account that has not met the required minimum direct deposit.

An “Ineligible Checking Account” is any checking account subject to tax withholding, any account titled as an Irrevocable Trust, or Estate, any checking account not in good standing.

A “Good standing account” is defined as: a checking account that is not negative more than 30 days, current on all loan obligations or delinquency less than 60 days, has no legal orders, levies, or liens against your account or account warnings. Any checking account closed prior to bonus payment will forfeit any bonus payout. Any checking account closed within 90 days after bonus payout will be subject to deduction of payout amount at the time of closing.

¹ APY = Annual Percentage Yield. Rates are subject to change. Please review our current rate list. Rates as of 02/01/2026. To receive the highest interest rate, members must meet Skyla Wealth membership requirements. A Skyla Wealth account that has not maintained membership requirements for more than 90 calendar days will be removed from the program. The Skyla Wealth Checking account will be converted to the Simply Prosper Checking account. Fees may reduce earnings. Some restrictions apply. Please review the Truth-in-Savings for information. Only one Skyla Wealth Checking account per primary member.

²APY = Annual Percentage Yield. Rates are subject to change. Please review our current rate list. Rates as of 02/01/2026. Fees may reduce earnings. Some restrictions apply. To receive the highest interest rate, members must meet required monthly activity. Please review the Truth-in-Savings for information. Only one Simply Prosper account per primary member.