Survey ResultsWe 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
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.
NORTHERN SKIES Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 10, 2026
NORTHERN SKIES's top rates as of October 10, 2026 are 4.60% APY on its 24 Month CDs CD, 0.85% APY on savings, 4.60% APY on money market accounts, 5.00% APY on checking, and personal loans from 11.35% APR, according to rates verified by MonitorBankRates. Other NORTHERN SKIES CD rates include 24-Month IRA CD at 4.60%, 12 Month CDs at 4.20%, and 12-Month IRA CD at 4.20%. MonitorBankRates evaluates the financial stability of NORTHERN SKIES with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.09%. Rates last updated and verified on 10/10/2026.
NORTHERN SKIES 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 NORTHERN SKIES? Share your experience about NORTHERN SKIES by leaving a review below, or read customer reviews before you decide to use NORTHERN SKIES.
NORTHERN SKIES has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
NORTHERN SKIES has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
6.09%
ExcellentLower than avg
NORTHERN SKIES Texas Ratio
NORTHERN SKIES's Texas Ratio is 6.09%, which is considered excellent and is lower than the national average of 6.13%.
NORTHERN SKIES has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
7.82% to 6.09% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has improved since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
NORTHERN SKIES CD Rates
Product
Rate
APY
Term
View More
24 Month Share Certificates
4.52%
4.60%
24-Month IRA
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
24-Month IRA Share Certificate
4.52%
4.60%
24-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 4.60% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
24-Month IRA Share Certificate
4.52%
4.60%
24-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 4.60% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
12 Month Share Certificates
4.13%
4.20%
12-Month IRA
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
12-Month IRA Share Certificate
4.13%
4.20%
12-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 4.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
12-Month IRA Share Certificate
4.13%
4.20%
12-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 4.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
18 Month Share Certificates
4.04%
4.10%
18-Month
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
Oct 10, 20264.10%▲ from 4.00%
Sep 18, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
24 Month Share Certificates
4.04%
4.10%
24-Month
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.60% / low 4.00%
Oct 10, 20264.10%▼ from 4.60%
Oct 6, 20264.60%▲ from 4.00%
Sep 18, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
36 Month Share Certificates
4.04%
4.10%
36-Month
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.25% → 4.10% ▲ 0.85 pts · high 4.10% / low 3.25%
Oct 10, 20264.10%▲ from 3.25%
Sep 18, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
12 Month Share Certificates
3.94%
4.00%
12-Month
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.20% / low 4.00%
Oct 10, 20264.00%▼ from 4.20%
Oct 6, 20264.20%▲ from 4.00%
Sep 18, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
18 Month Share Certificates
3.94%
4.00%
18-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.00% / low 3.90%
Oct 10, 20264.00%▲ from 3.90%
Sep 22, 20263.90%▼ from 4.00%
Sep 18, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
18 Month Share Certificates
3.94%
4.00%
18-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
Oct 10, 20264.00%▲ from 3.90%
Sep 18, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
24 Month Share Certificates
3.94%
4.00%
24-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 4.60% → 4.00% ▼ 0.60 pts · high 4.60% / low 4.00%
Oct 10, 20264.00%▼ from 4.60%
Sep 18, 20264.60%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
24 Month Share Certificates
3.94%
4.00%
24-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
Oct 10, 20264.00%▲ from 3.90%
Sep 18, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
36 Month Share Certificates
3.94%
4.00%
36-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
2 changes since Sep 18, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.15%
Oct 10, 20264.00%▲ from 3.15%
Sep 22, 20263.15%▼ from 3.25%
Sep 18, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
36 Month Share Certificates
3.94%
4.00%
36-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 3.15% → 4.00% ▲ 0.85 pts · high 4.00% / low 3.15%
Oct 10, 20264.00%▲ from 3.15%
Sep 18, 20263.15%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
12 Month Share Certificates
3.84%
3.90%
12-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 4.20% → 3.90% ▼ 0.30 pts · high 4.20% / low 3.90%
Oct 10, 20263.90%▼ from 4.20%
Sep 18, 20264.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
12 Month Share Certificates
3.84%
3.90%
12-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
180 Day Share Certificates
3.16%
3.20%
180-Day
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
180 Day Share Certificates
3.16%
3.20%
180-Day
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
90 Day Share Certificates
1.89%
1.90%
90-Day
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
90 Day Share Certificates
1.89%
1.90%
90-Day
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
NORTHERN SKIES Savings Rates
Product
Rate
APY
View More
Jumbo Money Market Savings
0.85%
0.85%
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 0.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Savings
0.80%
0.80%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 0.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Savings
0.70%
0.70%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 0.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Savings
0.60%
0.60%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 0.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Savings
0.35%
0.35%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 0.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Savings
0.10%
0.10%
No additional details.
Last Updated10/10/2026
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: 6.09%
Special Purpose Savings
0.10%
0.10%
No additional details.
Last Updated10/10/2026
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: 6.09%
NORTHERN SKIES Money Market Rates
Product
Rate
APY
View More
Jumbo Money Market Shares
1.65%
1.65%
Min Balance$200,000
DetailsBalance: $200,000.01 and over
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
1.25%
1.25%
Min Balance$100,000
DetailsBalance: $100,000 - $200,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Savings
0.85%
0.85%
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 0.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market Shares
0.85%
0.85%
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Savings
0.80%
0.80%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 0.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market Shares
0.80%
0.80%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Savings
0.70%
0.70%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 0.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market Shares
0.70%
0.70%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Savings
0.60%
0.60%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 0.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market Shares
0.60%
0.60%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Savings
0.35%
0.35%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 0.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Money Market Shares
0.35%
0.35%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
0.25%
0.25%
Min Balance$0
DetailsBalance: Up to $99,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
NORTHERN SKIES Checking Rates
Product
Rate
APY
View More
Peak Rewards Checking
4.89%
5.00%
Min Balance$0
DetailsQualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $15,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Peak Rewards Checking
0.15%
0.15%
Min Balance$15,000
DetailsBalance: $15,000+
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Peak Rewards Checking
0.01%
0.01%
Min Balance$0
DetailsBalance: All balances if qualifications not met
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
NORTHERN SKIES Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
-
-
6.50%
Revolving
DetailsVariable Rate as low as Prime - 0.50% (currently as low as 6.50% as of 10/1/2026); APR may vary
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Oct 2, 20266.50%▲ from 6.25%
Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Fixed Rate Home Equity Loan
-
-
7.40%
Up to 180 months
DetailsAs low as 7.40% as of 10/01/2025; APR may vary
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.40% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Mini-Home Equity Line of Credit
-
-
10.50%
Revolving
DetailsVariable Rate as low as Prime + 3.50% (currently as low as 10.50% as of 10/1/2026); APR may vary
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25%
Oct 2, 202610.50%▲ from 10.25%
Sep 14, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
NORTHERN SKIES Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan
-
-
5.09%
Up to 84 months
DetailsAs low as; APR may vary
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 4.99% → 5.09% ▲ 0.10 pts · high 5.09% / low 4.99%
Oct 6, 20265.09%▲ from 4.99%
Sep 18, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Used Auto Loan
-
-
5.09%
Up to 84 months
DetailsAs low as; APR may vary
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 4.99% → 5.09% ▲ 0.10 pts · high 5.09% / low 4.99%
Oct 6, 20265.09%▲ from 4.99%
Sep 18, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Motorcycles & Off-Road Vehicles Loan
-
-
6.29%
Up to 60 months
DetailsAs low as; APR may vary
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.29% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Classics & Collectibles Auto Loan
-
-
8.50%
Up to 72 months
DetailsAs low as; APR may vary
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
NORTHERN SKIES RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boats Loan
-
6.95%
Up to 240 months
DetailsAs low as; APR may vary
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.79% → 6.95% ▲ 0.16 pts · high 6.95% / low 6.79%
Oct 6, 20266.95%▲ from 6.79%
Sep 14, 20266.79%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Motorhomes, Campers, & Trailers Loan
-
7.30%
Up to 240 months
DetailsAs low as; APR may vary
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.15% → 7.30% ▲ 0.15 pts · high 7.30% / low 7.15%
Oct 6, 20267.30%▲ from 7.15%
Sep 14, 20267.15%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Property Loan
-
7.90%
Up to 144 months
DetailsAs low as 7.90% as of 10/01/2025; APR may vary
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.90% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
NORTHERN SKIES Personal Loan Rates
Product
APR
Term
View More
Signature Loan
11.35%
Up to 60 months
DetailsAs low as; APR may vary
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 11.35% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
NORTHERN SKIES Other Rates
Product
Rate
Points
APY/APR
Term
View More
Aircraft Loan
-
-
7.35%
Up to 144 months
DetailsAs low as; APR may vary
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 7.35% → 7.35% ▼ 0.00 pts · high 7.35% / low 6.95%
Oct 10, 20267.35%▲ from 6.95%
Oct 6, 20266.95%▼ from 7.35%
Sep 14, 20267.35%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Miscellaneous Collateral Loan
-
-
8.00%
Up to 84 months
DetailsAs low as; APR may vary
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
SMART Loan
-
-
18.00%
Up to 6 months
Details18.00% Fixed; $20 Application Fee
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Educational/Coverdell IRA Shares
0.15%
-
0.15%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
1.89%
-
1.90%
90-Day
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.90% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
1.89%
-
1.90%
90-Day
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.90% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
3.16%
-
3.20%
180-Day
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.20% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
3.16%
-
3.20%
180-Day
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.20% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
3.84%
-
3.90%
12-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.90% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
3.94%
-
4.00%
12-Month
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
3.94%
-
4.00%
18-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
4.04%
-
4.10%
18-Month
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.10% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
3.94%
-
4.00%
24-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
4.04%
-
4.10%
24-Month
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.10% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
3.94%
-
4.00%
36-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares
4.04%
-
4.10%
36-Month
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.10% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares - IRA
4.13%
-
4.20%
12-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.20% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares - IRA
4.13%
-
4.20%
12-Month
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.20% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares - IRA
4.52%
-
4.60%
24-Month
Min Balance$0
DetailsBalance: Under $100,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.60% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Jumbo Money Market Shares - IRA
4.52%
-
4.60%
24-Month
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.60% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Regular IRA Shares
0.15%
-
0.15%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Roth IRA Shares
0.15%
-
0.15%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Financial Health History
NORTHERN SKIES’s Texas Ratio fell from 7.82% in Q3 2023 to 6.09% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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
$232M
6.09%
5.0
A
March 31, 2026
$223M
5.09%
5.0
A+
December 31, 2025
$219M
5.28%
5.0
A+
September 30, 2025
$221M
3.06%
5.0
A+
June 30, 2025
$210M
3.96%
5.0
A+
March 31, 2025
$207M
4.21%
5.0
A+
December 31, 2024
$206M
4.38%
5.0
A+
September 30, 2024
$203M
3.57%
5.0
A+
June 30, 2024
$197M
5.03%
5.0
A+
March 31, 2024
$194M
4.02%
5.0
A+
December 31, 2023
$194M
5.98%
5.0
A+
September 30, 2023
$195M
7.82%
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 NORTHERN SKIES 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 NORTHERN SKIES 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 NORTHERN SKIES's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
34,262,352
Total Uninsured Shares and Deposits > $250K (F+J)
34,262,352
Total Insured Shares and Deposits > $250K (item 17 less item K)
163,473,015
Total Interest Expense (Sum of items 6 8)
2,209,367
Share Certificates
1,210
Number of Accounts for Share Drafts
7,282
IRA KEOGH Accounts
381
Number of Accounts for Regular Shares
15,486
Money Market Shares
406
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)
20,630,260
Total Liabilities
201,002,506
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
NORTHERN SKIES 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for NORTHERN SKIES 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
0
Add Your Rating and Review for NORTHERN SKIES
Frequently Asked Questions About NORTHERN SKIES
How many branches does NORTHERN SKIES operate?
NORTHERN SKIES 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 NORTHERN SKIES?
Yes, to access services at NORTHERN SKIES, 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, NORTHERN SKIES 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, NORTHERN SKIES provides members with tools to manage their accounts and build a solid financial history.
Does NORTHERN SKIES offer online and mobile banking?
Most modern institutions like NORTHERN SKIES 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: http://www.nsfcu.org.
Current NORTHERN SKIES Rates
12-Month CD3.90%
18-Month CD4.00%
24-Month CD4.00%
Savings0.85%
MMA4.60%
Retrieved from our database of financial products. Rates subject to change.