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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Sky Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Sky Federal Credit Union's IRA SEP CDs 1 Year Fixed rates are at 4.00%, IRA SEP CDs 1 Year Fixed rates are at 2.25%, Wealth Builder CD (1 Year) rates are at 2.25%, IRA SEP CDs 2 Year Fixed rates are at 1.75%, IRA SEP CDs 3 Year Fixed rates are at 1.75%. Sky Federal Credit Union's savings rates are at 0.01%. Sky Federal Credit Union's money market rates are at 0.75%. Sky Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Sky Federal Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.02%. Rates were last updated on 04/17/2026. 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. Sky Federal Credit Union
Sky Federal Credit Union 111 N B St
https://www.skyfcu.org Livingston, MT 59047 
Sky Federal Credit Union CD Rates
Sky Federal Credit Union Savings Rates
Sky Federal Credit Union Money Market Rates
Sky Federal Credit Union Auto Loan Rates
Sky Federal Credit Union Credit Card Rates
Sky Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
56
Part-Time Employees
8
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.6 / 5.0 ★
Overall Health & Safety Grade
B (86/100)
Texas Ratio
20.02%
Return on Assets (ROA)
0.0927%
Return on Equity (ROE)
1.2422%
Non-Performing Loans Ratio (NPL)
2.54%
Total Assets
202,802,344
Total Amount of Shares and Deposits
178,010,796
Total Shares and Deposits < 1 Year
170,499,586
Total Shares and Deposits 1 3 Years
6,192,379
Total Shares and Deposits > 3 Years
1,318,832
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,856,955
Total Uninsured Shares and Deposits > $250K (F+J)
5,856,955
Total Insured Shares and Deposits > $250K (item 17 less item K)
172,153,841
Total Interest Expense (Sum of items 6 8)
1,712,483
Share Certificates
1,039
Number of Accounts for Share Drafts
9,835
IRA KEOGH Accounts
638
Number of Accounts for Regular Shares
15,945
All other shares
125
Non Member Deposits
1
Money Market Shares
259
Net Income (unless the amount is already included in Undivided Earnings)
187,926
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,404,573
Total Liabilities
187,643,211
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Sky Federal Credit UnionIs Sky Federal Credit Union a safe place to deposit money?Yes, Sky Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 20.02181709008%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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