Get the financial flexibility you need with a reliable source of funds. We offer competitive rates and no annual fees.

  • Limits up to $15,000 (individual) and $30,000 (joint)
  • No annual fees
  • No application fee
  • Competitive fixed rates
  • 25 day grace period
  • Save money by transferring balances from other high-rate credit cards
  • Get immediate answers with a local Visa® specialist
  • Convenient payments by mail, online, or in any branch
  • Features additional protection through Verified by Visa 
  • Debt Protection (Disability, Involuntary Unemployment, Life Plus) available

Please call for more information or to apply for your new Sky Visa credit card.

Toll-free number: 800-445-3328

Secured Visa® Credit Card

Looking to build or repair your credit? We've got the perfect card to help you.

Our Secured Visa® credit card gives almost anyone the opportunity to build good credit responsibly without paying high rates or outrageous fees.

  • Easy application process
  • No application fee
  • No annual fee
  • Your limit is determined by a deposit secured in a separate Sky savings account.
  • Minimum deposit: $100
  • Maximum deposit: $15,000
  • You can increase your limit at any time by depositing additional funds and requesting a limit increase online.

The Secured Visa® Credit Card is available to Sky Federal Credit Union members ages 18 and older.

Falcon Fraud Manager

Falcon Fraud Manager provides world-class capabilities to prevent, detect, and resolve financial fraud across any payment method, including debit and credit cards. The Falcon Fraud Manager program for Debit and Credit brings a more holistic approach to fraud protection by better understanding customers' financial behavior.   

Frequently Asked Questions

Will the Falcon Fraud Manager know the difference between credit or debit cards?

Yes, it does and the audio, email, and text message state debit or credit.

Will there be a waiting period between pressing to confirm fraud and when I am connected with a fraud analyst?

No. Once you have confirmed fraud via email, text, or voice, the Falcon Fraud Manager will automatically call you and connect you to a fraud analyst. If it is a voice call, the cardholder will be immediately connected to a fraud analyst upon confirmation of fraud, during the hours of 8am-9pm. If you confirm fraud after hours you will not be called until 8am.

What time frame is involved in the call window? Does it consider various time zones?

The time zones are based on each cardholder address on file. Text is 7am – 9pm, voice is 8am – 9pm, and email is 24x7.

After sending an email and text to me, how long will the system wait before sending a voice call?

5 minutes.


What if there are multiple transactions listed in the email and some are fraud and some are legitimate? How do I separate the transactions?

You need to select the appropriate link to confirm fraud and you will be contacted by Falcon Fraud Manager, which will connect you to a fraud analyst to go through the transactions and confirm which are fraudulent.

If I accidentally click the link in the email confirming not fraud, but meant to confirm it was fraud, am I able to go back to the email and click the correct link? 

No, once you confirm not fraud it closes the case.  You will need to contact Card Services to block the card and complete the appropriate forms.

When the voice message is left, if I have multiple phone numbers will there be a message left on each phone?

Yes, for all the phone numbers we have on file.

Text Messages

What happens if the cell phone autocorrects or changes a reply?

It will be considered an invalid response and the Falcon Fraud Manager will continue with the contact strategy. You will get the HELP message text back stating to please call 800-237-8990 for additional assistance. 

If I reply “STOP” to opt out, can I opt back in?

Yes. You will get a voice call from the Falcon Fraud Manager that will give you the option to opt back in for text messages as long as you confirmed No Fraud.

What happens if I don’t respond to the text message for several hours?

The case remains open for 30 days, so you have 30 days to respond to text messages.

Can I add a “do not disturb window” as can be done with smsGuardian?

No, you can only opt out, or back in. Text messages are sent from 7am – 9pm your local time.

Is there a confirmation sent to me when I text “STOP” to cancel the text alerts?

Yes, you will get a text that says: Free Msg from Fraud Center: Per your request you will no longer receive Fraud text alerts from this service.

Balance Transfer Promo

Get Started Today

Get 0.00% A.P.R.* for 18 months on balance transfers completed by 12/31/2021, with a 3% fee on the balance transfer amount. The fee is collected at the time of the balance transfer. After 18 billing cycles, you will be charged the standard fixed A.P.R.* as disclosed on your Credit Card Account Opening Disclosure.

*APR = Annual Percentage Rate


Traveling Members

Country blocks and restrictions placed on credit and debit cards are becoming more and more of an unfortunate reality within all financial institutions. This is due to the rising volume of fraud that is occurring in particular countries, states, cities, or particular types of merchants; all of which we monitor constantly to protect you. Unfortunately, sometimes these blocks can interfere with your travel plans. If you know you are planning a trip, please contact us when traveling outside of Montana by completing a Traveling Member form in order to minimize the chances of your cards being blocked or flagged for unusual activity.  Please allow 1-2 business days for requests to be processed prior to traveling.

You can submit notice of travel via the form located below or the Card Services option in our Sky FCU Mobile Banking App.  For questions email [email protected] or call us at (800) 445.3328.


Traveling Members Form


*Annual Percentage Rate

All loans subject to Sky Federal Credit Union's customary due diligence underwriting, credit approval and documentation. Other terms and conditions may apply.  
Credit Card Application & Solicitation Disclosure