Overview / Commentary
111 N B St
Livingston, MT 59047

Sky Federal Credit Union is headquartered in Livingston and is the 13th largest credit union in the state of Montana. It is also the 1,493rd largest credit union in the nation. It was established in 1935 and as of September of 2018, it had grown to 51 employees and 9,608 members at 4 locations. Sky Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Park, Gallatin or Sweet Grass counties in Montana and their immediate families.
See current membership details


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Health Grade Components

NCUA #761
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD7.31%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$114.5MM$99.3MM
LoansQ3 2018vs Q3 2017$70.6MM$64.9MM
DepositsQ3 2018vs Q3 2017$102.4MM$89.1MM
Equity CapitalQ3 2018vs Q3 2017$9.7MM$9.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$901.00K$824.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$462.00K$226.00K
Real Estate OwnedQ3 2018vs Q3 2017$1.1MM$840.00K
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* 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

1.00%*-$25kKasasa Saver
OTHER TIERS: 0.25% $25k+
0.50%*$2.5k*$20kSky High Wealth Builder Plus
OTHER TIERS: 0.03% $20k+
0.50%*$6k*-Borrow Savings Account
OTHER TIERS: 0.10% $25 - $1.2k | 0.15% $1.2k - $2.4k | 0.25% $2.4k - $3.6k | 0.30% $3.6k - $4.8k | 0.40% $4.8k - $6k
0.50%--HSA Checking Account
0.25%$25-Wealth Builder Savings
0.03%--Christmas Club Account
0.03%$5-Strategic Savers Account
0.02%--Second Share Account
0.02%$25-Regular Share Account
0.02%$25-Cubby Companion Youth Share Account
0.02%--Montana Medical Savings
0.02%--1st Time Home Buyers Savings

Sky Federal Credit Union Money Market Rates

0.40%*$250k*-Sky High Money Market Account
OTHER TIERS: 0.15% $15k - $50k | 0.20% $50k - $100k | 0.30% $100k - $250k
0.15%*$200k*-Premier Money Market Account
OTHER TIERS: 0.05% $25k - $50k | 0.10% $50k - $200k
0.10%*$100k*-Money Market Account
OTHER TIERS: 0.03% $1k - $50k | 0.05% $50k - $100k

Sky Federal Credit Union Checking Account Rates

2.50%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+

Sky Federal Credit Union CD Rates

0.55%*$50k*-60 Month CD
OTHER TIERS: 0.45% $500 - $25k | 0.50% $25k - $50k
0.50%*$50k*-48 Month CD
OTHER TIERS: 0.40% $500 - $25k | 0.45% $25k - $50k
0.50%$500-1 Year Wealth Builder CD
0.45%*$50k*-36 Month CD
OTHER TIERS: 0.35% $500 - $25k | 0.40% $25k - $50k
0.30%$500-24 Month CD
0.25%$100-1 Year Cubby Certificate
0.25%$100-1 Year FYI Certificate
0.20%$500-18 Month CD
0.15%$500-1 Year CD
0.10%$500-6 Month CD
0.05%$500-3 Month CD

Sky Federal Credit Union IRA Rates

1.25%$500-5 Year Fixed IRA Certificate
1.25%$500-5 Year Fixed SEP IRA Certificate
1.25%$500-5 Year Fixed CESA Certificate
0.80%$500-4 Year Fixed IRA Certificate
0.80%$500-4 Year Fixed SEP IRA Certificate
0.80%$500-4 Year Fixed CESA Certificate
0.65%$500-3 Year Fixed IRA Certificate
0.65%$500-3 Year Fixed SEP IRA Certificate
0.65%$500-3 Year Fixed CESA Certificate
0.50%$500-2 Year Fixed IRA Certificate
0.50%$500-2 Year Fixed SEP IRA Certificate
0.50%$500-2 Year Fixed CESA Certificate
0.35%$500-1 Year Fixed SEP IRA Certificate
0.25%$500-1 Year Fixed IRA Certificate
0.25%*$500*-1 Year Fixed CESA Certificate
OTHER TIERS: 0.20% $100 - $500
0.15%$500-1 Year Variable IRA 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 59011-7840

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