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

Current rates for Skyla Federal Credit Union include: 12-Month CD: 4.10%, 18-Month CD: 4.15%, 24-Month CD: 4.20%, 60-Month CD: 4.50%, Savings: 5.00%, MMA: 3.50%

MonitorBankRates

☰

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

Home›
Credit Unions›
Skyla Federal Credit Union

iAdvertiser Disclosure

Skyla Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Skyla Federal Credit Union's top rates as of October 9, 2026 are 4.75% APY on its 48 Month elite jumbo CD, 5.00% APY on savings, 3.50% APY on money market accounts, 4.00% APY on checking, 6.25% on its 7/1 adjustable rate mortgage (arm), personal loans from 13.90% APR, and credit cards from 15.15% APR, according to rates verified by MonitorBankRates. Other Skyla Federal Credit Union CD rates include 60 Month elite jumbo CD at 4.75%, 21 Month regular CD at 4.50%, and 36 Month elite jumbo CD at 4.50%. Other Skyla Federal Credit Union mortgage rates include 15-year fixed rate mortgage at 6.75%, and 30-year fixed rate mortgage at 7.25%. 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 9.56%. Rates last updated and verified on 10/09/2026.

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.

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

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.56%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Skyla Federal Credit Union
LOSO

3700 South Blvd
Charlotte, NC 28209

https://www.skylacu.com

Customer Reviews

Be the first to review

Write a Review

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.

Skyla Federal Credit Union CD Rates

Product	Rate	APY	Term
48 Month elite jumbo cd	-	4.75%	48-month
Min Deposit $250,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25% Oct 5, 20264.75%▲ from 4.25% Sep 21, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
60 Month elite jumbo cd	-	4.75%	60-month
Min Deposit $250,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25% Oct 5, 20264.75%▲ from 4.25% Sep 21, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
21 Month regular cd	-	4.50%	21-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 5, 20264.50%▲ from 4.25% Sep 21, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
36 Month elite jumbo cd	-	4.50%	36-month
Min Deposit $250,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15% Oct 5, 20264.50%▲ from 4.15% Sep 21, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
60 Month regular cd	-	4.50%	60-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 5, 20264.50%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
18 Month senior jumbo cd	-	4.45%	18-month
Min Deposit $50,000 Details senior Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10% Oct 5, 20264.45%▲ from 4.10% Sep 29, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
24 Month elite jumbo cd	-	4.45%	24-month
Min Deposit $250,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10% Oct 5, 20264.45%▲ from 4.10% Sep 21, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
12 Month elite jumbo cd	-	4.35%	12-month
Min Deposit $250,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00% Oct 5, 20264.35%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
18 Month senior regular cd	-	4.35%	18-month
Min Deposit $500 Details senior Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00% Oct 5, 20264.35%▲ from 4.00% Sep 29, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
36 Month jumbo cd	-	4.35%	36-month
Min Deposit $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00% Oct 5, 20264.35%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
24 Month jumbo cd	-	4.30%	24-month
Min Deposit $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95% Oct 5, 20264.30%▲ from 3.95% Sep 21, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
18 Month jumbo cd	-	4.25%	18-month
Min Deposit $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Oct 5, 20264.25%▲ from 3.90% Sep 21, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
36 Month regular cd	-	4.25%	36-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Oct 5, 20264.25%▲ from 3.90% Sep 21, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
12 Month jumbo cd	-	4.20%	12-month
Min Deposit $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 5, 20264.20%▲ from 3.85% Sep 21, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
24 Month regular cd	-	4.20%	24-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 5, 20264.20%▲ from 3.85% Sep 21, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
48 Month regular cd	-	4.20%	48-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 5, 20264.20%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
18 Month regular cd	-	4.15%	18-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80% Oct 5, 20264.15%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
12 Month regular cd	-	4.10%	12-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Oct 5, 20264.10%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
6 Month jumbo cd	-	4.10%	6-month
Min Deposit $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Oct 5, 20264.10%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
6 Month regular cd	-	4.00%	6-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 5, 20264.00%▲ from 3.65% Sep 21, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Savings Rates

Product	Rate	APY
Purpose Savings	-	5.00%
Min Balance $0 Details Balance: $0.00 - $1,000.00 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Purpose Savings	-	4.00%
Min Balance $1,000 Details Balance: $1,000.01 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
primary savings account	-	0.10%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Purpose Savings	-	0.10%
Min Balance $10,000 Details Balances above $10,000.01 will earn .10 APY* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 0.10% ▼ 3.90 pts · high 4.00% / low 0.10% Sep 18, 20260.10%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
holiday savings account	-	0.05%
Min Deposit $10 Details Account transfer & withdrawal limitations apply Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Money Market Rates

Product	Rate	APY
skyla wealth money markets	-	3.50%
Min Deposit $1,000 Min Balance $500,000 Details For qualified members only; Earn 3.50 % APY with a balance over $500,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 5, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
skyla wealth money markets	-	2.75%
Min Deposit $1,000 Min Balance $250,000 Details For qualified members only; Earn 2.75 % APY with a balance of $250,000 - $499,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50% Oct 5, 20262.75%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Money Market	-	2.00%
Min Balance $500,000 Details Balance: over $500,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
money markets	-	2.00%
Min Deposit $1,000 Min Balance $500,000 Details Earn 2.00 % APY with a balance over $500,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Money Market	-	1.75%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50% Oct 5, 20261.75%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
money markets	-	1.75%
Min Deposit $1,000 Min Balance $250,000 Details Earn 1.75 % APY with a balance of $250,000 - $499,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50% Oct 5, 20261.75%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Money Market	-	1.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
skyla wealth money markets	-	1.50%
Min Deposit $1,000 Min Balance $50,000 Details For qualified members only; Earn 1.50% APY with a balance of $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
skyla wealth money markets	-	1.50%
Min Deposit $1,000 Min Balance $100,000 Details For qualified members only; Earn 1.50% APY with a balance of $100,000 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
skyla wealth money markets	-	1.25%
Min Deposit $1,000 Min Balance $1,000 Details For qualified members only; Earn 1.25% APY with a balance of $1,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Money Market	-	1.00%
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Money Market	-	1.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Business Money Market Rates

Product	Rate	APY
business money markets	-	2.75%
Min Balance $500,000 Details Earn 2.75% APY with a balance over $500,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75% Oct 5, 20262.75%▼ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
business money markets	-	2.50%
Min Balance $200,000 Details Earn 2.50% APY with a balance of $200,000 - $499,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
business money markets	-	2.00%
Min Balance $100,000 Details Earn 2.00% APY with a balance of $100,000 - $199,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 2.00% ▼ 0.25 pts · high 2.25% / low 2.00% Oct 5, 20262.00%▼ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
business money markets	-	1.50%
Min Balance $50,000 Details Earn 1.50% APY with a balance of $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 1.50% ▼ 0.25 pts · high 1.75% / low 1.50% Oct 5, 20261.50%▼ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
business money markets	-	1.00%
Min Balance $0 Details Earn 1.00% APY with balances up to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Checking Rates

Product	Rate	APY
simply prosper checking	-	4.00%
Min Deposit $25 Details on balances up to $25,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
skyla wealth checking	-	4.00%
Min Deposit $25 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; For qualified members only; on balances up to $100,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
non-profit checking	-	3.00%
Min Deposit $25 Details Item limitations apply Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
business checking	-	0.01%
Min Deposit $100 Details Item limitations apply Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
7/1 adjustable rate mortgage (arm)	6.25%	-	6.377%
Details The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x 1525 . Our team will be happy to assist you with customized rates tailored to your specific location and requirements!; The Annual Percentage Rate, or APR, for the loan programs shown reflects the interest rate and approximate cost of prepaid finance charges. These charges include a 1% Origination Fee but do not include other closing costs or discount points. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.97% → 6.38% ▲ 0.40 pts · high 6.38% / low 5.97% Oct 2, 20266.38%▲ from 5.97% Sep 18, 20265.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
15-year fixed rate mortgage	6.75%	-	6.965%
Details The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x 1525 . Our team will be happy to assist you with customized rates tailored to your specific location and requirements!; The Annual Percentage Rate, or APR, for the loan programs shown reflects the interest rate and approximate cost of prepaid finance charges. These charges include a 1% Origination Fee but do not include other closing costs or discount points. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.20% → 6.97% ▲ 0.76 pts · high 6.97% / low 6.20% Oct 2, 20266.97%▲ from 6.20% Sep 18, 20266.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
30-year fixed rate mortgage	7.25%	-	7.385%
Details The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x 1525 . Our team will be happy to assist you with customized rates tailored to your specific location and requirements!; The Annual Percentage Rate, or APR, for the loan programs shown reflects the interest rate and approximate cost of prepaid finance charges. These charges include a 1% Origination Fee but do not include other closing costs or discount points. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.58% → 7.39% ▲ 0.81 pts · high 7.39% / low 6.58% Oct 2, 20267.39%▲ from 6.58% Sep 18, 20266.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
home equity line of credit	-	-	7.00%	up to 15 years
Details apr as low as Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 29, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
new auto loans	-	-	4.49%	0 - 48 months
Details Rates as low as: (0 - 1 year) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99% Oct 5, 20264.49%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
new auto loans	-	-	5.49%	49 - 60 months
Details Rates as low as: (0 - 1 year) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 5, 20265.49%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
used auto loans	-	-	5.49%	0 - 48 months
Details Rates as low as: (2 - 10 years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 5, 20265.49%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
used auto loans	-	-	6.00%	49 - 60 months
Details Rates as low as: (2 - 10 years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Oct 5, 20266.00%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
new auto loans	-	-	6.49%	61 - 72 months
Details Rates as low as: (0 - 1 year) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 5, 20266.49%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
new auto loans	-	-	7.00%	73 - 84 months
Details Rates as low as: (0 - 1 year) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 5, 20267.00%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
used auto loans	-	-	7.00%	61 - 72 months
Details Rates as low as: (2 - 10 years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 5, 20267.00%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
used auto loans, motorcycles, boats, & rvs	-	-	7.25%	0 - 48 months
Details Rates as low as: (11+ years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75% Oct 9, 20267.25%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
used auto loans	-	-	7.49%	73 - 84 months
Details Rates as low as: (2 - 10 years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 5, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
used auto loans, motorcycles, boats, & rvs	-	-	7.75%	49 - 60 months
Details Rates as low as: (11+ years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.75% ▲ 0.50 pts · high 7.75% / low 7.25% Oct 9, 20267.75%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
used auto loans, motorcycles, boats, & rvs	-	-	8.25%	61 - 72 months
Details Rates as low as: (11+ years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.25% ▲ 0.50 pts · high 8.25% / low 7.75% Oct 9, 20268.25%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
used auto loans, motorcycles, boats, & rvs	-	-	9.25%	73 - 84 months
Details Rates as low as: (11+ years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.25% ▲ 0.50 pts · high 9.25% / low 8.75% Oct 9, 20269.25%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
used auto loans, motorcycles, boats, & rvs	-	-	10.25%	85 - 120 months
Details Rates as low as: (11+ years) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 10.25% ▲ 0.50 pts · high 10.25% / low 9.75% Oct 9, 202610.25%▲ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Credit Card Rates

Product	Rate	APR
visa platinum credit card	-	15.15%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.90% → 15.15% ▼ 0.75 pts · high 15.90% / low 15.15% Oct 5, 202615.15%▼ from 15.90% Sep 14, 202615.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
visa platinum rewards credit card	-	16.15%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.90% → 16.15% ▲ 1.25 pts · high 16.15% / low 14.90% Oct 5, 202616.15%▲ from 14.90% Sep 14, 202614.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
skyla wealth visa signature credit card	-	17.15%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 16.90% → 17.15% ▲ 0.25 pts · high 17.15% / low 16.90% Oct 5, 202617.15%▲ from 16.90% Sep 14, 202616.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
visa signature credit card	-	17.15%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 16.90% → 17.15% ▲ 0.25 pts · high 17.15% / low 16.90% Oct 5, 202617.15%▲ from 16.90% Sep 14, 202616.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Personal Loan Rates

Product	APR	Term
personal loan	13.90%	0 - 60 months
Details apr as low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.90% → 13.90% ▲ 1.00 pts · high 13.90% / low 12.90% Oct 5, 202613.90%▲ from 12.90% Sep 14, 202612.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
skyla wealth visa signature credit card	17.15%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 16.90% → 17.15% ▲ 0.25 pts · high 17.15% / low 16.90% Oct 5, 202617.15%▲ from 16.90% Sep 14, 202616.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
visa signature credit card	17.15%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 16.90% → 17.15% ▲ 0.25 pts · high 17.15% / low 16.90% Oct 5, 202617.15%▲ from 16.90% Sep 14, 202616.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Loan	-	-	6.75%	15-Year Fixed
Details HOME LOANS AS LOW AS: 6.75% APR for 15-Year Fixed Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.75% ▲ 0.76 pts · high 6.75% / low 5.99% Oct 2, 20266.75%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
land loan	9.50%	-	9.655%
Details The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x 1525 . Our team will be happy to assist you with customized rates tailored to your specific location and requirements!; The Annual Percentage Rate, or APR, for the loan programs shown reflects the interest rate and approximate cost of prepaid finance charges. These charges include a 1% Origination Fee but do not include other closing costs or discount points. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.66% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
line of credit	-	-	13.90%
Details apr as low as Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 12.90% → 13.90% ▲ 1.00 pts · high 13.90% / low 12.90% Oct 5, 202613.90%▲ from 12.90% Sep 29, 202612.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
welcome home loan	7.99%	-	8.025%
Details The rates below are for primary residences located in North or South Carolina. If you are looking for properties outside of these areas, please contact us directly at 800-765-4527 x 1525 . Our team will be happy to assist you with customized rates tailored to your specific location and requirements!; The Annual Percentage Rate, or APR, for the loan programs shown reflects the interest rate and approximate cost of prepaid finance charges. These charges include a 1% Origination Fee but do not include other closing costs or discount points. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.28% → 8.03% ▲ 0.74 pts · high 8.03% / low 7.28% Oct 2, 20268.03%▲ from 7.28% Sep 14, 20267.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
extended insurance account	-	-	2.15%
Min Deposit $10,000 Details For qualified members only; A smarter, simpler way to protect larger balances. By distributing your funds across a network of participating credit unions, you gain access to millions in NCUA share insurance - all while managing everything through a single Skyla account and earning 2.15 % APY on your balance. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.90% → 2.15% ▲ 0.25 pts · high 2.15% / low 1.90% Oct 5, 20262.15%▲ from 1.90% Sep 14, 20261.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
ira traditional & roth	-	-	4.00%	6-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 5, 20264.00%▲ from 3.65% Sep 29, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
ira traditional & roth	-	-	4.10%	1 year
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Oct 5, 20264.10%▲ from 3.75% Sep 29, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
ira traditional & roth	-	-	4.15%	18-month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80% Oct 5, 20264.15%▲ from 3.80% Sep 29, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
ira traditional & roth	-	-	4.20%	2 year
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 5, 20264.20%▲ from 3.85% Sep 29, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
ira traditional & roth	-	-	4.25%	3 year
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Oct 5, 20264.25%▲ from 3.90% Sep 29, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
ira traditional & roth	-	-	4.50%	5 year
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 5, 20264.50%▲ from 4.00% Sep 29, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

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

Skyla Federal Credit Union’s Texas Ratio rose from 4.09% in Q3 2023 to 9.56% 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	$1.7B	9.56%	5.0	A
March 31, 2026	$1.7B	6.87%	5.0	A
December 31, 2025	$1.6B	7.27%	5.0	A
September 30, 2025	$1.6B	5.62%	5.0	A+
June 30, 2025	$1.6B	5.47%	5.0	A+
March 31, 2025	$1.6B	4.74%	5.0	A+
December 31, 2024	$1.6B	5.89%	5.0	A+
September 30, 2024	$1.6B	6.57%	5.0	A
June 30, 2024	$1.6B	6.05%	5.0	A
March 31, 2024	$1.6B	5.14%	5.0	A+
December 31, 2023	$1.5B	4.85%	5.0	A+
September 30, 2023	$1.5B	4.09%	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 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 305

Part-Time Employees 6

Branch Locations 19

ATM Locations 19

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.56%

Return on Assets (ROA)

0.2805%

Return on Equity (ROE)

2.9199%

Non-Performing Loans Ratio (NPL)

1.32%

Total Assets

1,665,102,119

Total Amount of Shares and Deposits

1,405,438,412

Total Shares and Deposits < 1 Year

1,189,281,638

Total Shares and Deposits 1 3 Years

209,139,796

Total Shares and Deposits > 3 Years

7,016,978

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

109,659,168

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

109,659,168

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

1,295,779,244

Total Interest Expense (Sum of items 6 8)

14,877,599

Share Certificates

8,618

Number of Accounts for Share Drafts

82,608

IRA KEOGH Accounts

2,941

Number of Accounts for Regular Shares

124,288

All other shares

Non Member Deposits

Money Market Shares

6,238

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

4,670,480

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)

178,485,103

Total Liabilities

1,507,597,098

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Skyla 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.

<a href="https://monitorbankrates.com/credit-unions/skyla-federal-credit-union-rates-review-24808">
  <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

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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Skyla Federal Credit Union

Frequently Asked Questions About Skyla Federal Credit Union

How 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

12-Month CD4.10%
18-Month CD4.15%
24-Month CD4.20%
60-Month CD4.50%
Savings5.00%
MMA3.50%

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

Compare to Other Credit Unions

Skyla Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Skyla Federal Credit Union Texas Ratio

Skyla Federal Credit Union Health Trend

Skyla Federal Credit Union CD Rates

Skyla Federal Credit Union Savings Rates

Skyla Federal Credit Union Money Market Rates

Skyla Federal Credit Union Business Money Market Rates

Skyla Federal Credit Union Checking Rates

Skyla Federal Credit Union Business 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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Skyla Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Skyla Federal Credit Union

How many branches does Skyla Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Skyla Federal Credit Union offer online and mobile banking?

Current Skyla Federal Credit Union Rates

Compare to Other Credit Unions