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Skyline Financial Federal Credit Union Rates & Review October 2026

Skyline Financial Federal Credit Union's top rates as of October 12, 2026 are 0.50% APY on its 3 Year IRA CD, 2.75% APY on money market accounts, 5.65% on its 1st Mortgage, and personal loans from 10.75% APR, according to rates verified by MonitorBankRates. Other Skyline Financial Federal Credit Union CD rates include CD - 3 Years at 0.50%, 2 Year IRA CD at 0.40%, and CD - 2 Years at 0.40%. Other Skyline Financial Federal Credit Union mortgage rates include 1st Mortgage at 5.90%, and 1st Mortgage at 6.15%. 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 9.62%. Rates last updated and verified on 10/12/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.62%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Skyline Financial Federal Credit Union
Main Office
3528 E Main St
Waterbury, CT 06705
https://www.skylinefinancialfcu.com
Member NCUA
Customer Reviews
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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.

Skyline Financial Federal Credit Union CD Rates

Product Rate APY Term View More
3 Year IRA Share Certificate 0.50% 0.50% 3 Years
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Share Certificate - 3 Years 0.50% 0.50% 3 Years
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 4, 2026: 0.50% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
2 Year IRA Share Certificate 0.40% 0.40% 2 Years
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 8, 2026: 0.40% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Share Certificate - 2 Years 0.40% 0.40% 2 Years
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 4, 2026: 0.40% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Share Certificate - 18 month 0.30% 0.30% 18 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Sep 25, 2026: 0.30% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
1 Year IRA Share Certificate 0.25% 0.25% 1 Year
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
6 Month IRA Share Certificate 0.15% 0.15% 6 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 8, 2026: 0.15% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Share Certificate - 6 month 0.15% 0.15% 6 Months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 4, 2026: 0.15% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%

Skyline Financial Federal Credit Union Savings Rates

Product Rate APY View More
Club Accounts 0.05% 0.05%
Min Deposit $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 8, 2026: 0.05% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%

Skyline Financial Federal Credit Union Business Money Market Rates

Product Rate APY View More
Consumer and Business Money Market Tiers 2.75% 2.75%
Min Balance $100,000
Details Balance: $100,000.00-499,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 16, 2026: 2.75% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Consumer and Business Money Market Tiers 0.70% 0.70%
Min Balance $75,000
Details Balance: $75,000.00-99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 0.70% APY · checked 5 times
0.20%0.70%1.20%Sep 16, 2026: 0.70% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Consumer and Business Money Market Tiers 0.60% 0.60%
Min Balance $25,000
Details Balance: $25,000.00-74,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 0.60% APY · checked 5 times
0.10%0.60%1.10%Sep 16, 2026: 0.60% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Consumer and Business Money Market Tiers 0.50% 0.50%
Min Balance $5,000
Details Balance: $5,000.00-24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 16, 2026: 0.50% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%

Skyline Financial Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
1st Mortgage 5.65% - 5.65% 120 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.65% APR · checked 3 times
5.15%5.65%6.15%Sep 16, 2026: 5.65% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
1st Mortgage 5.90% - 5.90% 180 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.90% APR · checked 3 times
5.40%5.90%6.40%Sep 16, 2026: 5.90% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
1st Mortgage 6.15% - 6.15% 360 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.15% APR · checked 3 times
5.65%6.15%6.65%Sep 16, 2026: 6.15% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%

Skyline Financial Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Fixed Loan 7.00% - 7.00% 120 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Sep 16, 2026: 7.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Home Equity HELOC 7.00% - 7.00% Variable Rate.
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 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 12, 2026: 7.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Home Equity Fixed Loan 7.75% - 7.75% 180 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.75% APR · checked 3 times
7.25%7.75%8.25%Sep 16, 2026: 7.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Home Equity Fixed Loan 8.00% - 8.00% 360 Months
Details 30year 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 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.00% APR · checked 3 times
7.50%8.00%8.50%Sep 16, 2026: 8.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%

Skyline Financial Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto 4.00% - 4.00% 36 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Used Auto 2019 to Current 4.25% - 4.25% 36 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 16, 2026: 4.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
New Auto 4.50% - 4.50% 48 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 16, 2026: 4.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
New Auto 4.75% - 4.75% 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 16, 2026: 4.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
New Auto 5.00% - 5.00% 72 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 16, 2026: 5.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
New Auto 5.50% - 5.50% 84 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Used Auto 2019 to Current 5.75% - 5.75% 48 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Used Auto 2019 to Current 5.90% - 5.90% 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.90% APR · checked 5 times
5.40%5.90%6.40%Sep 16, 2026: 5.90% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Used Auto 2018-Older 6.00% - 6.00% 36 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 16, 2026: 6.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Used Auto 2019 to Current 6.25% - 6.25% 72 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 16, 2026: 6.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Used Auto 2018-Older 6.50% - 6.50% 48 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 16, 2026: 6.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Used Auto 2019 to Current 6.65% - 6.65% 84 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.65% APR · checked 5 times
6.15%6.65%7.15%Sep 16, 2026: 6.65% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Used Auto 2018-Older 7.13% - 7.13% 60 Months
Details Max Term is 60 Months on Used 2018 and Older.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.13% APR · checked 5 times
6.63%7.13%7.63%Sep 16, 2026: 7.13% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%

Skyline Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boats (New Boats Only) - 48 Months Loan 5.50% 5.50% 48 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Boats (New Boats Only) - 60 Months Loan 5.75% 5.75% 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Boats (New Boats Only) - 72 Months Loan 6.25% 6.25% 72 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 16, 2026: 6.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Boats (New Boats Only) - 84 Months Loan 6.50% 6.50% 84 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 16, 2026: 6.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Motorcycle, ATV, 4-Wheeler, & Jetski Loans - 2020 and Newer 7.50% 7.50% 36 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 8, 2026: 7.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Motorcycle, ATV, 4-Wheeler, & Jetski Loans - 36 Months 7.50% 7.50% 36 months
Details 2020 and Newer
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 8, 2026: 7.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Motorcycle, ATV, 4-Wheeler, & Jetski Loans - 2020 and Newer 10.50% 10.50% 48 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 10.50% APR · checked 2 times
10.00%10.50%11.00%Oct 8, 2026: 10.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Motorcycle, ATV, 4-Wheeler, & Jetski Loans - 48 Months 10.50% 10.50% 48 months
Details 2020 and Newer
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 10.50% APR · checked 2 times
10.00%10.50%11.00%Oct 8, 2026: 10.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Motorcycle, ATV, 4-Wheeler, & Jetski Loans - 2020 and Newer 12.50% 12.50% 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 12.50% APR · checked 2 times
12.00%12.50%13.00%Oct 8, 2026: 12.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Motorcycle, ATV, 4-Wheeler, & Jetski Loans - 60 Months 12.50% 12.50% 60 months
Details 2020 and Newer
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 12.50% APR · checked 2 times
12.00%12.50%13.00%Oct 8, 2026: 12.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%

Skyline Financial Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal and Business Line of Credit 10.75% Open End
Details Rate: 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. EOL.
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 10.75% APR · checked 4 times
10.25%10.75%11.25%Sep 25, 2026: 10.75% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%

Skyline Financial Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Member Business Loan 10.00% - 10.00% 60 Months
Details Rates and terms may vary. Maximum Unsecured Amount is $50,000.00. Displayed rate is the lowest available rate based on top tier credit score. Rates are based on cash flow analysis, personal credit history and qualification, restrictions apply.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 10.00% APR · checked 4 times
9.50%10.00%10.50%Sep 16, 2026: 10.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Member Business Loan 11.00% - 11.00% 120 Months
Details Rates and terms may vary. Maximum Unsecured Amount is $50,000.00. Displayed rate is the lowest available rate based on top tier credit score. Rates are based on cash flow analysis, personal credit history and qualification, restrictions apply.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 11.00% APR · checked 4 times
10.50%11.00%11.50%Sep 16, 2026: 11.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Member Business Loan 12.00% - 12.00% 180 Months
Details Rates and terms may vary. Maximum Unsecured Amount is $50,000.00. Displayed rate is the lowest available rate based on top tier credit score. Rates are based on cash flow analysis, personal credit history and qualification, restrictions apply.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 12.00% APR · checked 4 times
11.50%12.00%12.50%Sep 16, 2026: 12.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Member Business Loan 8.75% - 8.75% 360 Months
Details 360 Months Terms Available with lien on real estate. Rates and terms may vary. Maximum Unsecured Amount is $50,000.00. Displayed rate is the lowest available rate based on top tier credit score. Rates are based on cash flow analysis, personal credit history and qualification, restrictions apply.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.75% APR · checked 4 times
8.25%8.75%9.25%Sep 16, 2026: 8.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Business Shares 0.05% - 0.05%
Min Deposit $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 8, 2026: 0.05% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
IRA Shares 0.05% - 0.05%
Min Deposit $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 8, 2026: 0.05% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Regular Shares 0.05% - 0.05%
Min Deposit $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 8, 2026: 0.05% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
Sub Accounts 0.05% - 0.05%
Min Deposit $100
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 8, 2026: 0.05% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%

Financial Health History

Skyline Financial Federal Credit Union’s Texas Ratio rose from 3.52% in Q3 2023 to 9.62% 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.

0% 1.0★ 6% 2.0★ 11% 3.0★ 17% 4.0★ 22% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 3.52% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A Q2 2024 A+ Q3 2024 A+ Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A- Q1 2026 9.62% A Q2 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$48M9.62%5.0A
March 31, 2026$46M16.45%4.9A-
December 31, 2025$46M9.90%5.0A
September 30, 2025$45M13.60%5.0A
June 30, 2025$41M6.30%5.0A
March 31, 2025$39M6.13%5.0A
December 31, 2024$38M3.52%5.0A+
September 30, 2024$38M5.08%5.0A+
June 30, 2024$38M6.55%5.0A
March 31, 2024$38M4.86%5.0A+
December 31, 2023$39M5.14%5.0A+
September 30, 2023$39M3.52%5.0A+
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 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 9
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 (95/100)
Texas Ratio
9.62%
Return on Assets (ROA)
0.3120%
Return on Equity (ROE)
4.4649%
Non-Performing Loans Ratio (NPL)
0.81%
Total Assets
48,333,359
Total Amount of Shares and Deposits
44,178,809
Total Shares and Deposits < 1 Year
43,733,283
Total Shares and Deposits 1 3 Years
445,527
Total Insured Shares and Deposits > $250K (item 17 less item K)
44,178,809
Total Interest Expense (Sum of items 6 8)
225,303
Share Certificates
243
Number of Accounts for Share Drafts
1,752
IRA KEOGH Accounts
87
Number of Accounts for Regular Shares
4,073
All other shares
6
Money Market Shares
46
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Adequately Capitalized
Net Worth Classification if credit union is a new credit union
Adequately Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
305,155
Total Liabilities
44,956,387
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Skyline Financial 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/skyline-financial-federal-credit-union-rates-review-452">
  <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.

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Frequently Asked Questions About Skyline Financial Federal Credit Union

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%
  • MMA2.75%
Retrieved from our database of financial products. Rates subject to change.