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%

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Skyla Federal Credit Union

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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 13, 2026

Skyla Federal Credit Union's top rates as of October 13, 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 Home Loans - 15-Year Fixed at 6.75%, 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 10/13/2026.

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

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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.

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 10/13/2026 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 10/13/2026 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 10/13/2026 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 10/13/2026 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%
5 Year IRA Traditional & Roth CD	-	4.50%	5 year
Min Deposit $500 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 13, 20264.50%▲ from 4.00% Sep 21, 20264.00%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 10/13/2026 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 Jumbo CD	-	4.45%	18-month
Min Deposit $50,000 Details Senior Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90% Oct 13, 20264.45%▲ from 4.25% 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%
24 Month Elite Jumbo CD	-	4.45%	24-month
Min Deposit $250,000 Last Updated 10/13/2026 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 10/13/2026 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 Regular CD	-	4.35%	18-month
Min Deposit $500 Details Senior Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80% Oct 13, 20264.35%▲ from 4.15% 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%
36 Month Jumbo CD	-	4.35%	36-month
Min Deposit $50,000 Last Updated 10/13/2026 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 10/13/2026 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 10/13/2026 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%
3 Year IRA Traditional & Roth CD	-	4.25%	3 year
Min Deposit $500 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Oct 13, 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 10/13/2026 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 10/13/2026 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%
2 Year IRA Traditional & Roth CD	-	4.20%	2 year
Min Deposit $500 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 13, 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 10/13/2026 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 10/13/2026 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 IRA Traditional & Roth CD	-	4.15%	18-month
Min Deposit $500 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80% Oct 13, 20264.15%▲ from 3.80% Sep 21, 20263.80%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 10/13/2026 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%
1 Year IRA Traditional & Roth CD	-	4.10%	1 year
Min Deposit $500 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Oct 13, 20264.10%▲ from 3.75% Sep 21, 20263.75%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 10/13/2026 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 10/13/2026 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 IRA Traditional & Roth CD	-	4.00%	6-month
Min Deposit $500 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 13, 20264.00%▲ from 3.65% Sep 21, 20263.65%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 10/13/2026 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 Account	-	5.00%
Min Deposit $25 Details Up to 5.00% APY; Dividends credited Monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 5.00% ▲ 4.95 pts · high 5.00% / low 0.05% Sep 21, 20265.00%▲ from 0.05% Sep 14, 20260.05%first recorded 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 - $10,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Primary Savings Account	-	0.10%
Min Deposit $5 Details Dividends credited Quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Purpose Savings	-	0.10%
Min Balance $10,000 Details Balance: $10,000.01 and over; APY printed as ".10 APY" without a % sign Last Updated 10/13/2026 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 Dividends credited Quarterly; Account transfer & withdrawal limitations apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 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 Market	-	3.50%
Min Deposit $1,000 Min Balance $500,000 Details For qualified members only; Balance: over $500,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Skyla Wealth Money Market	-	2.75%
Min Deposit $1,000 Min Balance $250,000 Details For qualified members only; Balance: $250,000 - $499,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Money Market	-	2.00%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 and over; Dividends accrue daily and are paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Money Market	-	1.75%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Dividends accrue daily and are paid monthly Last Updated 10/13/2026 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 Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Dividends accrue daily and are paid monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Skyla Wealth Money Market	-	1.50%
Min Deposit $1,000 Min Balance $50,000 Details For qualified members only; Balance: $50,000 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Skyla Wealth Money Market	-	1.50%
Min Deposit $1,000 Min Balance $100,000 Details For qualified members only; Balance: $100,000 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Skyla Wealth Money Market	-	1.25%
Min Deposit $1,000 Min Balance $1,000 Details For qualified members only; Balance: $1,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Money Market	-	1.00%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $49,999.99; Dividends accrue daily and are paid monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Money Market	-	1.00%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Dividends accrue daily and are paid monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 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 Market	-	2.75%
Min Balance $500,000 Details Balance: over $500,000; Dividends accrue daily and are paid monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Money Market	-	2.50%
Min Balance $200,000 Details Balance: $200,000 - $499,999.99; Dividends accrue daily and are paid monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Money Market	-	2.00%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99; Dividends accrue daily and are paid monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Money Market	-	1.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Dividends accrue daily and are paid monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Money Market	-	1.00%
Details Balance: up to $49,999.99; Dividends accrue daily and are paid monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.00% APY 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 Balance up to $25,000.00; Dividends credited Monthly Last Updated 10/13/2026 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%
Skyla Wealth Checking	-	4.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: Skyla Wealth membership: minimum balance of $500,000 across Skyla deposit products and/or Skyla investment assets; Qualifying balance up to $100,000.00; Skyla Wealth membership requirements apply; Balances over $100,000 earn the lowest Money Market rate; No monthly fee; No minimum balance requirements Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Non-Profit Checking	-	3.00%
Min Deposit $25 Details Dividends credited Monthly; Item limitations apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Dividend Checking	-	2.50%
Min Deposit $100 Details Up to 2.50% APY; Dividends credited Monthly; Item limitations apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Business Checking	-	0.01%
Min Deposit $100 Details Dividends credited Monthly; Item limitations apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%

Skyla Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
7/1 adjustable rate mortgage (ARM)	6.25%	-	6.377%
Details Primary residences in North or South Carolina; APR includes 1% origination fee Last Updated 10/13/2026 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%
Home Loans - 15-Year Fixed	-	-	6.75%	15 years
Details As Low As; Home loans as low as 6.75% APR; Rates as of 10/01/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
15-year fixed rate mortgage	6.75%	-	6.965%	15 years
Details Primary residences in North or South Carolina; APR includes 1% origination fee Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.20% → 6.97% ▲ 0.76 pts · high 6.97% / low 6.20% Oct 13, 20266.97%▲ from 6.20% Sep 14, 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%	30 years
Details Primary residences in North or South Carolina; APR includes 1% origination fee Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.58% → 7.39% ▲ 0.81 pts · high 7.39% / low 6.58% Oct 13, 20267.39%▲ from 6.58% Sep 14, 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 As Low As Last Updated 10/13/2026 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 Loan (0 - 1 year)	-	-	4.49%	0-1 years
Details Additional APR listed for this product: 5.49%, 6.49%, 7.00%. As Low As; Model Year: 0 - 1 year Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Used Auto Loan (2 - 10 years)	-	-	5.49%	2-10 years
Details Additional APR listed for this product: 6.00%, 7.00%, 7.49%. As Low As; Model Year: 2 - 10 years Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Used Auto (11+ years), Motorcycles, Boats, & RVs	-	-	7.25%	0 - 48 months
Details As Low As; Model Year: 11+ years Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Used Auto (11+ years), Motorcycles, Boats, & RVs	-	-	7.75%	49 - 60 months
Details As Low As; Model Year: 11+ years Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Used Auto (11+ years), Motorcycles, Boats, & RVs	-	-	8.25%	61 - 72 months
Details As Low As; Model Year: 11+ years Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Used Auto (11+ years), Motorcycles, Boats, & RVs	-	-	9.25%	73 - 84 months
Details As Low As; Model Year: 11+ years Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Used Auto (11+ years), Motorcycles, Boats, & RVs	-	-	10.25%	85 - 120 months
Details As Low As; Model Year: 11+ years Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 10.25% APR · checked 2 times 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 10/13/2026 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 10/13/2026 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%
Details For qualified members only Last Updated 10/13/2026 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 10/13/2026 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 As Low As Last Updated 10/13/2026 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%
Details For qualified members only Last Updated 10/13/2026 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 10/13/2026 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
Land Loan	9.50%	-	9.655%
Details Primary residences in North or South Carolina; APR includes 1% origination fee Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.66% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Line of Credit	-	-	13.90%
Details As Low As Last Updated 10/13/2026 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 Primary residences in North or South Carolina; APR includes 1% origination fee Last Updated 10/13/2026 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; NCUA share insurance across network of participating credit unions Last Updated 10/13/2026 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 Account Traditional, Roth, Educational	-	-	0.05%
Details Dividends credited Quarterly; Account transfer & withdrawal limitations apply Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.56%
Stay Ready & Keep Earning	-	-	1.75%
Min Deposit $1,000 Details Earn up to 1.75% APY; flexible, anytime access; $1,000 opening deposit Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 1.75% APY · checked 2 times 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.
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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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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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