Loans
Mortgages, auto, home equity, and personal loans with APRs you can actually read — and a specialist who will walk the payment with you before you sign.
6.25%
APR 30-year mortgage
5.89%
APR auto (new)
8.49%
APR personal from
Same day
Pre-qualification
Rates shown are illustrative starting APRs as of September 2026 and vary with credit, term, and amount.
Purchase or refinance. 15- and 30-year fixed, plus a 5/1 ARM if you want a lower start.
6.25% APR · 30-year fixed
Most personal and auto decisions land the same day. Mortgages follow a clearer calendar so closing is not a surprise.
01
Amount, term, and whether this is a home, car, or cash need.
02
Soft pull for pre-qualification. A hard pull only if you choose to continue.
03
Upload ID and income. e-sign from the same login you already use for banking.
04
Personal and auto: often same day. Mortgage: on the closing date you pick with your specialist.
Example monthly payment
$312
$15,000 personal loan at 8.49% APR over 60 months. This is an illustration, not an offer. Your payment depends on credit, amount, and term.
Estimate my loanAPR, term, and payment on one card before you apply. Origination fees are called out if they apply.
Mortgages get a named specialist. Auto and personal loans can call the same help desk as your checking.
Autopay from Everyday Checking trims 0.25% APR on personal and auto for members in good standing.
Tell us what you need. A loan specialist replies within one business day with next steps — no hard credit pull from this form.
Real stories from people who wanted banking that felt human — and still took their money seriously.
“We pre-qualified on a Tuesday and made an offer Wednesday. The specialist never made us feel rushed.”
Sam & Keisha
First-time mortgage
“Refinanced the car in twenty minutes. Payment dropped and I kept the same login.”
Diego H.
Auto refinance
“Used a personal loan to clear two cards. One payment, one rate, no lecture.”
Lauren C.
Debt consolidation
Clear guidance so you can bank with confidence.
The form on this page does not pull credit. If you continue to a full application we will tell you before a hard inquiry.
No, but members who autopay from Everyday Checking receive 0.25% APR off personal and auto loans.
Personal loans often fund the same day to your checking account. Auto funds to the dealer or to you on refinance. Mortgages fund at closing.
Yes. There is no prepayment penalty on personal, auto, or mortgage products in this lineup.
Request a rate or open an account so autopay and funding stay in one place.
Sign in for balances, transfers, cards, and lending, or open Help if you need us.
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.
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.
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.
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.
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.
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.