Sky Federal Credit Union

Overview / Commentary

www.skyfcu.org

406-222-1750

111 N B St
Livingston, MT 59047

Sky Federal Credit Union is headquartered in Livingston and is the 11^th largest credit union in the state of Montana. It is also the 1,283^rd largest credit union in the nation. It was established in 1935 and as of June of 2023, it had grown to 59 employees and 12,186 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.
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Reviews (1)

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Above And Beyond!

Posted by: CUGURU | Jun 11, 2019

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!!!

Comment

Health

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #	761
Year Chartered	1935
Employees	59
Primary Regulator

Profit Margin
Return on Assets - YTD	0.29%
Return on Equity - YTD	3.9%
Annual Interest Income	$3.5MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$193.0MM$187.7MM
Loans	Q2 2023vs Q2 2022	$110.8MM$99.9MM
Deposits	Q2 2023vs Q2 2022	$166.6MM$171.8MM
Equity Capital	Q2 2023vs Q2 2022	$14.0MM$13.3MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$0$1.2MM
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$633.00K$221.00K
Real Estate Owned	Q2 2023vs Q2 2022	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$20k^*	-	Sky High Wealth Builder Plus
OTHER TIERS: 1.05% → $2.5k - $20k
1.00%^*	-	$25k	Kasasa Saver
OTHER TIERS: 0.25% → $25k+
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%	-	-	HSA Checking Account
0.05%	$25	-	Wealth Builder Savings
0.05%	$5	-	WinCentive Savings
0.01%	-	-	Second Share Account
0.01%	-	-	Christmas Club Account
0.01%	$5	-	Strategic Savers Account
0.01%	$25	-	Regular Share Account
0.01%	-	-	Montana Medical Savings
0.01%	-	-	1st Time Home Buyers Savings

Sky Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%^*	$1m^*	-	Managed Liquidity Money Market
OTHER TIERS: 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%^*	-	$10k	Kasasa Cash Checking
OTHER TIERS: 0.25% → $10k+

Sky Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$500	-	3 Month CD Special
4.50%	$500	-	7 Month CD Special
4.25%	$500	-	17 Month CD Special
4.00%	$500	-	25 Month CD Special
4.00%	$500	-	35 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

Sky Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$500	-	3 Month ESA Special
5.00%	$500	-	3 Month IRA Special
5.00%	$500	-	3 Month SEP Special
4.50%	$500	-	7 Month ESA Special
4.50%	$500	-	7 Month IRA Special
4.50%	$500	-	7 Month SEP Special
4.25%	$500	-	17 Month ESA Special
4.25%	$500	-	17 Month IRA Special
4.25%	$500	-	17 Month SEP Special
4.00%	$500	-	25 Month ESA Special
4.00%	$500	-	35 Month ESA Special
4.00%	$500	-	25 Month IRA Special
4.00%	$500	-	35 Month IRA Special
4.00%	$500	-	25 Month SEP Special
4.00%	$500	-	35 Month SEP Special
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

Locations

Sky Federal Credit Union Locations
Branch Office	777 E Main St Ste 102	Bozeman, MT 59715
Branch Office	111 N B St	Livingston, MT 59047
Branch Office	95 N Weaver St	Belgrade, MT 59714
Branch Office	233 McLeod St	Big TImber, MT 59011
Branch Office	1500 N 7th Ave	Bozeman, MT 59715-2523

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