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 Skyla Federal Credit Union Rates & Review September 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.
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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 and Verified: September 21, 2026
Skyla Federal Credit Union's 21 Month Regular CD rates are at 4.25%, 48 Month Elite Jumbo CD rates are at 4.25%, 6 - 60 month terms rates are at 4.25%, 60 Month Elite Jumbo CD rates are at 4.25%, 9 Month Regular CD rates are at 4.25%. Skyla Federal Credit Union's savings rates are at 0.05%. Skyla Federal Credit Union's money market rates are at 1.00%. Skyla Federal Credit Union's 7/1 adjustable rate mortgage (arm) rates are at 5.85%, 15-year fixed rate mortgage rates are at 5.99%, 30-year fixed rate mortgage rates are at 6.45%. Skyla Federal Credit Union's Personal Loan Rates are as low as 12.90%. Skyla Federal Credit Union's Credit Card Rates are at 14.90%. MonitorBankRates evaluates the financial stability of Skyla Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.87%. Rates last updated and verified on 09/21/2026. Skyla 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 Skyla Federal Credit Union? Share your experience about Skyla Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Skyla Federal Credit Union. 
Skyla Federal Credit Union CD Rates
Skyla Federal Credit Union Savings Rates
Skyla Federal Credit Union Money Market Rates
Skyla Federal Credit Union Checking Rates
Skyla Federal Credit Union Mortgage Rates
Skyla Federal Credit Union Home Equity & HELOC
Skyla Federal Credit Union Auto Loan Rates
Skyla Federal Credit Union Credit Card Rates
Skyla Federal Credit Union Personal Loan Rates
Skyla Federal Credit Union Other Rates
Financial Health HistorySkyla Federal Credit Union’s Texas Ratio rose from 3.27% in Q2 2023 to 6.87% in Q1 2026, so its financial health has weakened 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Skyla 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 Skyla 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 Skyla Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Skyla Federal Credit Union
Website
https://www.skylacu.com
Address
3700 South Blvd,
Charlotte, NC 28209
Phone
704-375-0183
Fax
704-376-2716
President
Adrienne Dellinger
CEO
Eric Gelly
Full-Time Employees
310
Part-Time Employees
2
Branch Locations
19
ATM Locations
19
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.87%
Return on Assets (ROA)
0.1238%
Return on Equity (ROE)
1.3035%
Non-Performing Loans Ratio (NPL)
0.94%
Total Assets
1,656,044,095
Total Amount of Shares and Deposits
1,399,251,562
Total Shares and Deposits < 1 Year
1,171,677,046
Total Shares and Deposits 1 3 Years
214,815,761
Total Shares and Deposits > 3 Years
12,758,755
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
111,034,882
Total Uninsured Shares and Deposits > $250K (F+J)
111,034,882
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,288,216,680
Total Interest Expense (Sum of items 6 8)
7,205,883
Share Certificates
7,882
Number of Accounts for Share Drafts
83,458
IRA KEOGH Accounts
2,929
Number of Accounts for Regular Shares
119,715
All other shares
5
Non Member Deposits
52
Money Market Shares
6,291
Net Income (unless the amount is already included in Undivided Earnings)
2,050,910
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)
185,575,696
Total Liabilities
1,501,057,000
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Skyla Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Skyla Federal Credit Union
Frequently Asked Questions About Skyla Federal Credit UnionHow many branches does Skyla Federal Credit Union operate?Skyla 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 Skyla Federal Credit Union?Yes, to access services at Skyla 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, Skyla 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, Skyla Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Skyla Federal Credit Union offer online and mobile banking?Most modern institutions like Skyla 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.skylacu.com. Current Skyla Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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