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Sky Federal Credit Union

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Sky Federal Credit Union Rates & Review September 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: September 23, 2026

Sky Federal Credit Union's Home Mortgage Loan rates are at 7.29%. Sky Federal Credit Union's Personal Loan Rates are as low as 9.99%. Sky Federal Credit Union's Credit Card Rates are at 10.90%. 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 5.78%. Rates last updated and verified on 09/23/2026.

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 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.78%

Excellent Lower 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

Sky Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Home Mortgage Loan	-	-	7.29%	30 year fixed rate
Details As Low As; *APR = Annual Percentage Rate. All rates are subject to change, please contact Sky FCU for the most current rates. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Sky Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	4.99%	up to 48 month term
Details As Low As; *APR = Annual Percentage Rate. All rates are subject to change, please contact Sky FCU for the most current rates. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
ECO Auto Loans	-	-	5.24%	84 months
Details As low as; (60 months) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
ECO Auto Loans	-	-	5.24%	60 months
Details As low as (60 months) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Vehicle Loans - NEW	-	-	5.24%	60 months
Details As low as; *APR Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Vehicle Loans - USED	-	-	6.74%	84 months
Details As low as; *APR Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Sky Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loans - NEW	-	6.49%	180 months
Details As low as; (60 months) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Recreational Vehicle Loans - USED	-	6.99%	72 months
Details As low as; (60 months) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Sky Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	10.90%
Details Fixed rate APR* Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Sky Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loan	9.99%	60 months
Details As low as; (36 months) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Unsecured Personal Loan	9.99%	36 months
Details As low as (36 months) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Unsecured Personal Loan	11.99%	60 months
Details As low as; (60 months) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Sky Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Express Loans	-	-	5.24%
Details As Low As; *APR = Annual Percentage Rate. All rates are subject to change, please contact Sky FCU for the most current rates. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Credit Builder Loan	-	-	8.24%	60 months
Details As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Line of Credit	-	-	12.50%
Details Adjustable rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Line of Credit	12.50%	-	12.50%
Details Adjustable rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Mobile Home Loan	-	-	11.49%
Details Fixed rate APR* based on credit score and age of mobile home Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Sky Federal Credit Union’s Texas Ratio rose from 4.12% in Q2 2023 to 5.78% in Q1 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. 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
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+
June 30, 2023	$193M	4.12%	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 64

Part-Time Employees 8

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+ (97/100)

Texas Ratio

5.78%

Return on Assets (ROA)

0.1752%

Return on Equity (ROE)

2.1860%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

190,425,926

Total Amount of Shares and Deposits

172,218,151

Total Shares and Deposits < 1 Year

163,283,879

Total Shares and Deposits 1 3 Years

7,814,019

Total Shares and Deposits > 3 Years

1,120,253

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

6,357,316

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

6,357,316

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

165,860,835

Total Interest Expense (Sum of items 6 8)

511,693

Share Certificates

910

Number of Accounts for Share Drafts

9,857

IRA KEOGH Accounts

608

Number of Accounts for Regular Shares

15,942

All other shares

131

Non Member Deposits

Money Market Shares

255

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

333,655

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)

476,433

Total Liabilities

175,101,243

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Sky Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/sky-federal-credit-union-rates-review-761">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Sky Federal Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Sky Federal Credit Union

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.