What are the current interest rates at Sky Federal Credit Union?

Current rates for Sky Federal Credit Union include: 12-Month CD: 2.00%, 18-Month CD: 2.25%, 24-Month CD: 1.75%, 60-Month CD: 1.75%, Savings: 0.50%, MMA: 3.95%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Sky Federal Credit Union

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Sky Federal Credit Union Rates & Review October 2026

Q: How many branches does Sky Federal Credit Union operate?

Sky Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Sky Federal Credit Union?

Yes, to access services at Sky Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sky Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Sky Federal Credit Union's top rates as of October 12, 2026 are 3.75% APY on its Term CDs - 12 Month CD, 0.50% APY on savings, 3.95% APY on money market accounts, 7.29% on its Home Mortgage Loan, personal loans from 9.99% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Sky Federal Credit Union CD rates include Traditional/ROTH IRA CDs - 1 Year Fixed at 3.75%, Term CDs - 6 Month at 3.70%, and Term CDs - 6 Month at 3.00%. MonitorBankRates evaluates the financial stability of Sky Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.73%. Rates last updated and verified on 10/12/2026.

Sky Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sky Federal Credit Union? Share your experience about Sky Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sky Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.73%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Sky Federal Credit Union
Sky Federal Credit Union

111 N B St
Livingston, MT 59047

https://www.skyfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Sky Federal Credit Union CD Rates

Product	Rate	APY	Term
Term Certificates - 12 Month	3.68%	3.75%	12 Month
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Traditional/ROTH IRA Certificates - 1 Year Fixed	3.68%	3.75%	1 Year
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 6 Month	3.63%	3.70%	6 Month
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 6 Month	2.96%	3.00%	6 Month
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 12 Month	2.47%	2.50%	12 Month
Min Balance $500 Details Balance: $500 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Traditional/ROTH IRA Certificates - 1 Year Fixed	2.47%	2.50%	1 Year
Min Balance $500 Details Balance: $500 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 18 Month	2.22%	2.25%	18 Month
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Traditional/ROTH IRA Certificates - 1 Year Variable	2.22%	2.25%	1 Year
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Wealth Builder CD (1 Year)	2.22%	2.25%	1 Year
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 6 Month	1.98%	2.00%	6 Month
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - Youth: 1 Year Fixed	1.98%	2.00%	1 Year
Min Balance $100 Details Youth certificate; Balance: $100 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 24 Month	1.73%	1.75%	24 Month
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 3 Month	1.73%	1.75%	3 Month
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 36 Month	1.73%	1.75%	36 Month
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 48 Month	1.73%	1.75%	48 Month
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 60 Month	1.73%	1.75%	60 Month
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Traditional/ROTH IRA Certificates - 2 Year Fixed	1.73%	1.75%	2 Year
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Traditional/ROTH IRA Certificates - 3 Year Fixed	1.73%	1.75%	3 Year
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Traditional/ROTH IRA Certificates - 4 Year Fixed	1.73%	1.75%	4 Year
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Traditional/ROTH IRA Certificates - 5 Year Fixed	1.73%	1.75%	5 Year
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 3 Month	1.49%	1.50%	3 Month
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 3 Month	1.24%	1.25%	3 Month
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Term Certificates - 3 Month	0.75%	0.75%	3 Month
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%

Sky Federal Credit Union Savings Rates

Product	Rate	APY
Borrow & Save Savings	0.50%	0.50%
Min Balance $6,001 Details Balance: $6,001+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Health Savings Account (HSA)	0.50%	0.50%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Borrow & Save Savings	0.25%	0.25%
Min Balance $3,601 Details Balance: $3,601 - $4,800 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Borrow & Save Savings	0.15%	0.15%
Min Balance $2,401 Details Balance: $2,401 - $3,600 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Borrow & Save Savings	0.10%	0.10%
Min Balance $1,201 Details Balance: $1,201 - $2,400 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Borrow & Save Savings	0.05%	0.05%
Min Balance $25 Details Balance: $25 - $1,200 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Wealth Builder Savings	0.05%	0.05%
Min Balance $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
1st Time Home Buyers Savings	0.01%	0.01%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Christmas Club	0.01%	0.01%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Montana Medical Savings	0.01%	0.01%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Strategic Savers	0.01%	0.01%
Min Balance $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%

Sky Federal Credit Union Money Market Rates

Product	Rate	APY
Managed Liquidity Money Market	3.87%	3.95%
Min Balance $1,000,000 Details Balance: $1,000,000 & Over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Managed Liquidity Money Market	3.44%	3.50%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Managed Liquidity Money Market	3.44%	3.50%
Min Balance $500,000 Details Balance: $500,000-$999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Sky High Money Market	3.44%	3.50%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Premier Money Market	1.98%	2.00%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Sky High Money Market	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Premier Money Market	1.74%	1.75%
Min Balance $150,000 Details Balance: $150,000 - $199,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Managed Liquidity Money Market	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Managed Liquidity Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Money Market	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Premier Money Market	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Premier Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Sky High Money Market	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Money Market	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Premier Money Market	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Sky High Money Market	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Money Market	0.84%	0.85%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Sky High Money Market	0.84%	0.85%
Min Balance $15,000 Details Balance: $15,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Money Market	0.75%	0.75%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%

Sky Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Home Mortgage Loan	-	-	7.285%	30 year
Details As Low As; 30 year fixed rate as of (10/09/2026) Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 7.29% → 7.29% ▼ 0.00 pts · high 7.41% / low 7.16% Oct 12, 20267.29%▼ from 7.41% Oct 8, 20267.41%▲ from 7.29% Oct 4, 20267.29%▼ from 7.41% Oct 2, 20267.41%▲ from 7.16% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%

Sky Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	-	-	7.00%
Details Intro/promo APR: 4.91%; Intro rate expires: First 6 Months; Regular APR: 7%-13%; Maximum APR: 18% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%

Sky Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	4.99%	up to 48 month
Details As Low As; up to 48 month term Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
ECO Auto Loans	-	-	5.24%	60 months
Details As Low As; Maximum term 84 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Vehicle Loans - NEW	-	-	5.24%	60 months
Details As Low As; Maximum term Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Vehicle Loans - USED	-	-	6.74%	84 months
Details As Low As; Maximum term Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%

Sky Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loans - NEW	-	6.49%	60 months
Details As Low As; Maximum term 180 months Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Recreational Vehicle Loans - USED	-	6.99%	60 months
Details As Low As; Maximum term 72 months Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%

Sky Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	10.90%
Details Published APR range: 10.90% - 18.00%. Fixed rate APR Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%

Sky Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loan	9.99%	36 months
Details As Low As; Maximum term 60 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Unsecured Personal Loan	11.99%	60 months
Details As Low As; Maximum term 60 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%

Sky Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Express Loans	-	-	5.24%
Details As Low As; Business Loan Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Credit Builder Loan	-	-	8.24%	60 months
Details As Low As; Maximum term Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Line of Credit	12.50%	-	12.50%
Details Adjustable rate Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Mobile Home Loan	-	-	11.49%
Details Published APR range: 11.49%-18.00%. Fixed rate APR based on credit score and age of mobile home Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Coverdell ESA Certificate - 1 Year Fixed	1.98%	-	2.00%	1 Year
Min Balance $100 Details Balance: $100 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Coverdell ESA Certificate - 1 Year Fixed	2.47%	-	2.50%	1 Year
Min Balance $500 Details Balance: $500 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Coverdell ESA Certificate - 1 Year Fixed	3.68%	-	3.75%	1 Year
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Coverdell ESA Certificate - 2 Year Fixed	1.73%	-	1.75%	2 Year
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Coverdell ESA Certificate - 3 Year Fixed	1.73%	-	1.75%	3 Year
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Coverdell ESA Certificate - 4 Year Fixed	1.73%	-	1.75%	4 Year
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Coverdell ESA Certificate - 5 Year Fixed	1.73%	-	1.75%	5 Year
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Free Kasasa Cash Checking	-	-	5.00%
Min Deposit $0 Details Qualifications Required; Qualifying balance up to $15,000; ATM withdrawal fee refunds up to $25 monthly Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 0.05% → 5.00% ▲ 4.95 pts · high 5.00% / low 0.05% Oct 12, 20265.00%▲ from 0.05% Oct 4, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
IRA Shares	0.05%	-	0.05%
Min Balance $25 Details Balance: $25 - $9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
IRA Shares	0.15%	-	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
IRA Shares	0.25%	-	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
IRA Shares	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Kasasa Cash Checking	4.89%	-	5.00%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $15,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Kasasa Saver Savings	2.96%	-	3.00%
Min Balance $0 Details Qualifications Required; Balance: 0 - $50,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Regular Shares	0.01%	-	0.01%
Min Balance $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Roth IRA Fastrak	0.05%	-	0.05%
Min Balance $25 Details Balance: $25 - $999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Roth IRA Fastrak	0.10%	-	0.10%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Roth IRA Fastrak	0.15%	-	0.15%
Min Balance $10,000 Details Balance: $10,000 - 24,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Roth IRA Fastrak	0.25%	-	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Roth IRA Fastrak	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Second Share	0.01%	-	0.01%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Sky High Wealth Builder Plus	0.79%	-	0.80%
Min Balance $2,500 Details Balance: $2,500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Sky High Wealth Builder Plus	0.84%	-	0.85%
Min Balance $20,000 Details Balance: $20,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
WinCentive Shares	0.05%	-	0.05%
Min Balance $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%
Youth Shares	0.01%	-	0.01%
Min Balance $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.73%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Sky Federal Credit Union’s Texas Ratio rose from 5.84% in Q3 2023 to 7.73% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$197M	7.73%	5.0	A
March 31, 2026	$190M	5.78%	5.0	A+
December 31, 2025	$200M	6.23%	5.0	A
September 30, 2025	$203M	18.24%	4.7	B+
June 30, 2025	$195M	4.31%	5.0	A+
March 31, 2025	$190M	4.36%	5.0	A+
December 31, 2024	$195M	3.08%	5.0	A+
September 30, 2024	$194M	3.13%	5.0	A+
June 30, 2024	$194M	5.07%	5.0	A+
March 31, 2024	$200M	2.78%	5.0	A+
December 31, 2023	$196M	6.00%	5.0	A+
September 30, 2023	$194M	5.84%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sky Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Sky Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Sky Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sky Federal Credit Union

Website https://www.skyfcu.org

Address 111 N B St, Livingston, MT 59047

Phone 406-222-1750

Fax 406-222-1786

President MaryAnn Duffey

CEO Daisy Romo

Full-Time Employees 63

Part-Time Employees 7

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.73%

Return on Assets (ROA)

0.1514%

Return on Equity (ROE)

1.9610%

Non-Performing Loans Ratio (NPL)

1.02%

Total Assets

197,303,638

Total Amount of Shares and Deposits

177,068,813

Total Shares and Deposits < 1 Year

170,627,744

Total Shares and Deposits 1 3 Years

5,338,321

Total Shares and Deposits > 3 Years

1,102,748

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,390,587

Total Uninsured Shares and Deposits > $250K (F+J)

6,390,587

Total Insured Shares and Deposits > $250K (item 17 less item K)

170,678,226

Total Interest Expense (Sum of items 6 8)

1,089,083

Share Certificates

855

Number of Accounts for Share Drafts

10,001

IRA KEOGH Accounts

608

Number of Accounts for Regular Shares

16,119

All other shares

124

Non Member Deposits

Money Market Shares

265

Net Income (unless the amount is already included in Undivided Earnings)

298,632

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

554,421

Total Liabilities

182,011,879

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Sky Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Sky Federal Credit Union

How many branches does Sky Federal Credit Union operate?

Sky Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Sky Federal Credit Union?

Yes, to access services at Sky Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Sky Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sky Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sky Federal Credit Union offer online and mobile banking?

Most modern institutions like Sky Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.skyfcu.org.

Current Sky Federal Credit Union Rates

12-Month CD2.00%
18-Month CD2.25%
24-Month CD1.75%
60-Month CD1.75%
Savings0.50%
MMA3.95%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Sky Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sky Federal Credit Union Texas Ratio

Sky Federal Credit Union Health Trend

Sky Federal Credit Union CD Rates

Sky Federal Credit Union Savings Rates

Sky Federal Credit Union Money Market Rates

Sky Federal Credit Union Mortgage Rates

Sky Federal Credit Union Home Equity & HELOC

Sky Federal Credit Union Auto Loan Rates

Sky Federal Credit Union RV, Boat and Powersport Loan Rates

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Sky Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sky Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sky Federal Credit Union

How many branches does Sky Federal Credit Union operate?

Is a member application needed to join Sky Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sky Federal Credit Union offer online and mobile banking?

Current Sky Federal Credit Union Rates

Compare to Other Credit Unions