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Skyline Financial Federal Credit Union Rates & Review April 2026

Skyline Financial Federal Credit Union's IRA CDs 3 Years rates are at 0.50%, IRA CDs 2 Years rates are at 0.40%, IRA CDs 18 month rates are at 0.30%, IRA CDs 1 Year rates are at 0.25%, IRA CDs 6 month rates are at 0.15%. Skyline Financial Federal Credit Union's Personal Loan Rates are at 10.75%. MonitorBankRates evaluates the financial stability of Skyline Financial Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.83%. Rates were last updated on 04/17/2026.

Skyline Financial 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 Skyline Financial Federal Credit Union? Share your experience about Skyline Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Skyline Financial Federal Credit Union.

Overall Health & Safety Grade ?
A
Excellent Health Score: 93/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
13.83%
Excellent Higher than avg
Skyline Financial Federal Credit Union
Main Office
3528 E Main St
Waterbury, CT 06705
https://www.skylinefinancialfcu.com
Member NCUA

Skyline Financial Federal Credit Union CD Rates

Product Rate APY Term View More
IRA Share Certificates 3 Years 0.50% 0.50%
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
IRA Share Certificates 2 Years 0.40% 0.40%
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
IRA Share Certificates 18 month 0.30% 0.30% 18 Months
Min Deposit $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
IRA Share Certificates 1 Year 0.25% 0.25%
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
IRA Share Certificates 6 month 0.15% 0.15%
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%

Skyline Financial Federal Credit Union Savings Rates

Product Rate APY View More
Club Accounts 0.05% 0.05%
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%

Skyline Financial Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
1st Mortgage - - 5.25% 180 Months
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
1st Mortgage - - 5.50% 360 Months
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%

Skyline Financial Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC - - 6.75%
Details Rate is always equivalent to Prime Rate as published in the Wall Street Journal. Rates change the 1st of each month following a change in the prime rate. Maximum first mortage loan is $500,000; maximum second mortgage loan or HELOC is $350,000. 80% loan to value maximum on all real estate lending.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
Home Equity Fixed Loan - - 7.00% 120 Months
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
Home Equity Fixed Loan - - 7.75% 180 Months
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
Home Equity Fixed Loan - - 8.00% 360 Months
Details *30?year term available only for Home Equity Installment Loans in 1st Lien Position. Home Equity Fixed Rate Loans have a maximum term of 15 years.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%

Skyline Financial Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
NEW Auto Loan - - 4.00%
Details As Low As
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
Used Auto Loan - - 4.25%
Details As Low As
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%

Skyline Financial Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Card - 9.90%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%

Skyline Financial Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal and Business Line of Credit - 10.75%
Details Checking account required. Line of credit variable rate is Prime + 4.00%. Floor of 4.00% and capped at 18.00%. Line of credit monthly payment includes a factor of 1.50% of principal due monthly. Minimum payments may vary, no prepayment penalty. Other terms may apply, see disclosure for full details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
Personal Co-Signer - 12.00%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
Personal Loans - 12.00%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
Personal Co-Signer - 13.00%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
Personal Loans - 13.00%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
Personal Co-Signer - 15.00%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%
Personal Loans - 15.00%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.83%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Skyline Financial 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 Skyline Financial 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 Skyline Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Skyline Financial Federal Credit Union
Address 3528 E Main St, Waterbury, CT 06705
Phone 203-755-2030
Fax 203-578-3079
President Dennis Barrett
CEO James Higgins
Full-Time Employees 8
Part-Time Employees 0
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.83%
Return on Assets (ROA)
0.2221%
Return on Equity (ROE)
3.1568%
Non-Performing Loans Ratio (NPL)
1.38%
Total Assets
44,611,779
Total Amount of Shares and Deposits
41,028,254
Total Shares and Deposits < 1 Year
40,405,755
Total Shares and Deposits 1 3 Years
622,500
Total Insured Shares and Deposits > $250K (item 17 less item K)
41,028,254
Total Interest Expense (Sum of items 6 8)
253,837
Share Certificates
294
Number of Accounts for Share Drafts
1,661
IRA KEOGH Accounts
82
Number of Accounts for Regular Shares
3,877
All other shares
10
Non Member Deposits
2
Money Market Shares
34
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
190,729
Total Liabilities
41,476,217
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Skyline Financial Federal Credit Union

Is Skyline Financial Federal Credit Union a safe place to deposit money?

Yes, Skyline Financial Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 13.827889828284%, the institution's financial health is rated as excellent. 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 Skyline Financial Federal Credit Union operate?

Skyline Financial 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 Skyline Financial Federal Credit Union?

Yes, to access services at Skyline Financial 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, Skyline Financial 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, Skyline Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Skyline Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like Skyline Financial 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.skylinefinancialfcu.com.

Current Skyline Financial Federal Credit Union Rates

  • 12-Month CD0.25%
  • 18-Month CD0.30%
  • 24-Month CD0.40%
Retrieved from our database of financial products. Rates subject to change.