Sky Federal Credit Union

Overview / Commentary
111 N B St
Livingston, MT 59047

Sky Federal Credit Union is headquartered in Livingston and is the 11th largest credit union in the state of Montana. It is also the 1,271st largest credit union in the nation. It was established in 1935 and as of March of 2024, it had grown to 55 employees and 12,351 members at 5 locations. Sky Federal Credit Union's money market rates are 10X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Sky Federal Credit Union is open to those who live, work, or worship in the Montana counties of Beaverhead, Broadwater, Carbon, Cascade, Deer Lodge, Gallatin, Golden Valley, Granite, Jefferson, Lake, Lewis and Clark, Madison, Meagher, Mineral, Missoula, Park, Powell, Ravalli, Silver Bow, Stillwater, Sweet Grass, Wheatland or Yellowstone; or the Idaho counties of Bonneville, Fremont, Jefferson, or Madison; or Park County, Wyoming.
See current membership details

Reviews (2)

Above And Beyond!

Posted by: |

I wasted 2 weeks with a local bank and finally got smart and went to Sky Federal Credit Union. Andrew was patient with me, explained things in detail got me set up for a checking account that pays 3% cash back. He got me a car loan and even explained my credit report and came up a plan to improve my score. These guys are fantastic. They have everything the bank had to offer but went ABOVE AND BEYOND to help me. THANK YOU SKY!!!

Fraudulent/Unfair Banking Ethics

Posted by: |

If you've ever dreamt of getting screwed over in every way possible by a bank, this is your bank. Never open a debit account here!!! They steal money from their patrons by using a shady transactional method of withdrawing your debit transaction, putting it back in your account, withdrawing it out again, and putting it back in again, multiple times on almost all of your debit card withdrawal transactions. A method that quite literally no other bank uses, except them. They then will keep charging you $35 fees because they can't keep stable/honest track of your transactions in the first place. After my experience with them, I will be submitting complaints and alerts to all consumer protection bureaus and agencies that investigate fraudulent and unfair banking activity. Please run as far away as possible from these bankers, and get yourself hooked up with an honest and reliable FDIC bank.


Health Grade Components

NCUA #761
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD10.27%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$200.4MM$186.8MM
LoansQ1 2024vs Q1 2023$115.4MM$108.7MM
DepositsQ1 2024vs Q1 2023$170.4MM$166.8MM
Equity CapitalQ1 2024vs Q1 2023$14.7MM$13.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.4MM$1.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$448K$245K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not Sky Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sky Federal Credit Union Savings Account Rates

1.10%*$20k*-Sky High Wealth Builder Plus
OTHER TIERS: 1.05% $2.5k - $20k
1.00%*$0$50kKasasa Saver
OTHER TIERS: 0.25% $50k+
0.75%*$6k*-Borrow & Save Savings
OTHER TIERS: 0.05% $25 - $1.2k | 0.10% $1.2k - $2.4k | 0.15% $2.4k - $3.6k | 0.25% $3.6k - $4.8k | 0.50% $4.8k - $6k
0.75%*$100k*-Roth IRA Fastrak Account
OTHER TIERS: 0.05% $25 - $1k | 0.10% $1k - $10k | 0.15% $10k - $25k | 0.25% $25k - $50k | 0.50% $50k - $100k
0.75%*$100k*-IRA Share Account
OTHER TIERS: 0.05% $25 - $10k | 0.15% $10k - $25k | 0.25% $25k - $50k | 0.50% $50k - $100k
0.50%$0-HSA Checking Account
0.05%$25-Wealth Builder Savings
0.05%$5-WinCentive Savings
0.01%$0-Second Share Account
0.01%$0-Christmas Club Account
0.01%$5-Strategic Savers Account
0.01%$25-Regular Share Account
0.01%$25-Cubby Companion Youth Share Account
0.01%$0-Montana Medical Savings
0.01%$0-1st Time Home Buyers Savings

Sky Federal Credit Union Money Market Rates

4.50%*$1m*-Managed Liquidity Money Market
OTHER TIERS: 2.00% $50k - $100k | 2.50% $100k - $250k | 3.00% $250k - $500k | 3.75% $500k - $1m
3.00%*$250k*-Sky High Money Market Account
OTHER TIERS: 1.10% $15k - $25k | 1.50% $25k - $50k | 1.75% $50k - $100k | 2.50% $100k - $250k
2.50%*$200k*-Premier Money Market Account
OTHER TIERS: 1.50% $25k - $50k | 1.75% $50k - $100k | 2.00% $100k - $150k | 2.25% $150k - $200k
1.55%*$100k*-Money Market Account
OTHER TIERS: 1.00% $1k - $10k | 1.05% $10k - $25k | 1.10% $25k - $50k | 1.15% $50k - $100k

Sky Federal Credit Union Checking Account Rates

4.00%*$0$15kKasasa Cash Checking
OTHER TIERS: 0.25% $15k+

Sky Federal Credit Union CD Rates

4.85%$500-7 Month CD Special
4.75%$500-5 Month CD Special
2.75%$500-1 Year CD
2.50%$500-18 Month CD
2.50%$500-1 Year Wealth Builder CD
2.25%$500-6 Month CD
2.25%$100-1 Year Cubby Certificate
2.00%$500-24 Month CD
2.00%$500-36 Month CD
2.00%$500-48 Month CD
2.00%$500-60 Month CD
1.00%$500-3 Month CD

Sky Federal Credit Union IRA Rates

2.50%$500-1 Year Variable IRA Certificate
2.50%$500-1 Year Fixed IRA Certificate
2.50%$500-1 Year Fixed SEP IRA Certificate
2.50%*$500*-1 Year Fixed CESA Certificate
OTHER TIERS: 2.25% $100 - $500
2.00%$500-2 Year Fixed IRA Certificate
2.00%$500-3 Year Fixed IRA Certificate
2.00%$500-4 Year Fixed IRA Certificate
2.00%$500-5 Year Fixed IRA Certificate
2.00%$500-2 Year Fixed SEP IRA Certificate
2.00%$500-3 Year Fixed SEP IRA Certificate
2.00%$500-4 Year Fixed SEP IRA Certificate
2.00%$500-5 Year Fixed SEP IRA Certificate
2.00%$500-2 Year Fixed CESA Certificate
2.00%$500-3 Year Fixed CESA Certificate
2.00%$500-4 Year Fixed CESA Certificate
2.00%$500-5 Year Fixed CESA Certificate

Sky Federal Credit Union Locations
Branch Office777 E Main St Ste 102Bozeman, MT 59715
Branch Office111 N B StLivingston, MT 59047
Branch Office95 N Weaver StBelgrade, MT 59714
Branch Office233 McLeod StBig TImber, MT 59011
Branch Office1500 N 7th AveBozeman, MT 59715-2523

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