Rates

Secured/Unsecured Loans

Type Maximum Term** Fixed Rate APR*
Vehicle Loans - NEW 84 months As low as 5.49% (60 months)
Vehicle Loans - USED 72 months As low as 5.99% (60 months)
ECO Auto Loans 84 months As low as 5.49% (60 months)
Recreational Vehicle Loans - NEW 180 months As low as 6.74% (60 months)
Recreational Vehicle Loans - USED 72 months As low as 7.24% (60 months)
Unsecured Personal Loan 60 months As low as 9.99% (36 months)
As low as 11.99% (60 months)
Credit Builder Loan 60 months As low as 8.24%

Effective date:4/3/2025

*APR is defined as Annual Percentage Rate. **Maximum term is based on loan type and creditworthiness. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral. Payment example: based on a $10,000 vehicle loan, $190.99 at 5.49% APR with a 60-month term. Your APR may differ based on term of loan, age of collateral, discounts and fees. 

Other Loans

Type Rate Notes
Overdraft Protection 13.25% Adjustable rate
Line of Credit 12.50% Adjustable rate
Share Secured 5.00% Fixed rate APR*
Visa Credit Card 10.90% - 18.00% Fixed rate APR*
Mobile Home 11.49%-18.00% Fixed rate APR* based on credit score and age of mobile home
Home Loans Varies Contact us at 800-445-3328 or email us for current rates
Business Loans Varies Contact us at 800-445-3328 or email Kris or Roger
Farm & Ranch Loans  Varies Contact us at 800-445-3328 or email Monte

APY = Annual Percentage Yield. Rates effective as of 4/7/2025. All Rates are subject to change, please contact Sky FCU for the most current Rates.  Fees may reduce earnings.  Cost Recovery (Fee) Schedule

Kasasa Cash* Learn More

Balance Rate APY
0 - $15,000 3.93% 4.00%
$15,000+ 0.25% 4.00 to 0.74%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 15 debit card purchases
  • Be enrolled in and log into online banking

And if for some reason you don’t qualify one month, don’t worry. Your account is still free, and you’ll still earn our base dividend rate. You can get back to earning your full rewards the very next month.

Kasasa Saver* Learn More

Balance Rate APY
0 - $50,000 0.99% 1.00%
$50,000+ 0.25% 1.00 to 0.35%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 15 debit card purchases
  • Be enrolled in and log into online banking

And if for some reason you don’t qualify one month, don’t worry. Your Kasasa® accounts are still free and you’ll still earn our base dividend rate on Kasasa Saver. Then you can get back to earning your full rewards the very next month.

Term Certificates Learn More

Term Minimum Balance Rate APY
3 Month $500 1.00% 1.00%
5 Month Special $500 4.17% 4.25%
6 Month $500 2.23% 2.25%
12 Month $500 2.72% 2.75%
18 Month $500 2.47% 2.50%
24 Month $500 1.98% 2.00%
35 Month Special $500 3.69% 3.75%
36 Month $500 1.98% 2.00%
45 Month Special $500 3.445% 3.50%
48 Month $500 1.98% 2.00%
59 Month Special $500 3.203% 3.25%
60 Month $500 1.98% 2.00%
Youth: 1 Year Fixed $100 2.23% 2.25%

Penalty for early withdrawal. Certificate dividends compounded monthly. Special rates are for a limited time only and rates are subject to change.

Coverdell ESA Certificate

Term Minimum Balance Rate APY
1 Year Fixed $100 2.23% 2.25%
1 Year Fixed $500 2.47% 2.50%
2 Year Fixed $500 1.98% 2.00%
3 Year Fixed $500 1.98% 2.00%
4 Year Fixed $500 1.98% 2.00%
5 Year Fixed $500 1.98% 2.00%

 

Penalty for early withdrawal. Certificate dividends compounded monthly. Specials are a limited time offer. Rates are subject to change.

Traditional/ROTH IRA Certificates Learn More

Term Minimum Balance Rate APY
5 Month Special $500 4.17% 4.25%
1 Year Variable $500 2.47% 2.50%
1 Year Fixed $500 2.47% 2.50%
2 Year Fixed $500 1.98% 2.00%
35 Month Special $500 3.69% 3.75%
3 Year Fixed $500 1.98% 2.00%
45 Month Special $500 3.445% 3.50%
4 Year Fixed $500 1.98% 2.00%
59 Month Special $500 3.203% 3.25%
5 Year Fixed $500 1.98% 2.00%

Penalty for early withdrawal. Certificate dividends compounded monthly. Special rates are for a limited time and rates are subject to change.

Roth IRA Fastrak Learn More

Minimum Balance Rate APY
$25 - $999 0.05% 0.05%
$1,000 - $9,999 0.10% 0.10%
$10,000 - 24,999 0.15% 0.15%
$25,000 - $49,999 0.25% 0.25%
$50,000 - $99,999 0.50% 0.50%
$100,000+ 0.75% 0.75%

IRA SEP Certificates Learn More

Term Minimum Balance Rate APY
5 Month Special $500 4.17% 4.25%
1 Year Fixed $500 2.47% 2.50%
2 Year Fixed $500 1.98% 2.00%
35 Month Special $500 3.69% 3.75%
3 Year Fixed $500 1.98% 2.00%
45 Month Special $500 3.445% 3.50%
4 Year Fixed $500 1.98% 2.00%
59 Month Special $500 3.203% 3.25%
5 Year Fixed $500 1.98% 2.00%

Penalty for early withdrawal. Certificate dividends compounded monthly. Specials are a limited time offer. Rates are subject to change.

IRA Shares Learn More

Minimum Balance Rate APY
$25 - $9,999 0.05% 0.05%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.25% 0.25%
$50,000 - $99,999 0.50% 0.50%
$100,000+ 0.75% 0.75%

Share Accounts

Account Minimum Balance Rate APY
Regular Shares $25 0.01% 0.01%
Youth Shares $25 0.01% 0.01%
Second Share $0 0.01% 0.01%
Montana Medical Savings $0 0.01% 0.01%
1st Time Home Buyers Savings $0 0.01% 0.01%
Christmas Club $0 0.01% 0.01%
Strategic Savers $5 0.01% 0.01%
WinCentive Shares $5 0.05% 0.05%
Health Savings Account (HSA) $0 0.50% 0.50%

Wealth Builder Accounts Learn More

Type Minimum Balance Rate APY
Wealth Builder Savings $25 0.05% 0.05%
Wealth Builder CD (1 Year) $500 2.47% 2.50%
Sky High Wealth Builder Plus $2,500 1.04% 1.05%
Sky High Wealth Builder Plus $20,000+ 1.09% 1.10%

Borrow & Save Savings Learn More

Balance Rate APY
$25 - $1,200 0.05% 0.05%
$1,201 - $2,400 0.10% 0.10%
$2,401 - $3,600 0.15% 0.15%
$3,601 - $4,800 0.25% 0.25%
$4,801 - $6,000 0.50% 0.50%
$6,001+ 0.75% 0.75%

Money Market Learn More

Minimum Balance Rate APY
$1,000 - $9,999 1.00% 1.00%
$10,000 - $24,999 1.04% 1.05%
$25,000 - $49,999 1.09% 1.10%
$50,000 - $99,999 1.14% 1.15%
$100,000+ 1.54% 1.55%

Premier Money Market Learn More

Minimum Balance Rate APY
$25,000 - $49,999 1.49% 1.50%
$50,000 - $99,999 1.74% 1.75%
$100,000 - $149,999 1.98% 2.00%
$150,000 - $199,999 2.23% 2.25%
$200,000+ 2.47% 2.50%

Sky High Money Market Learn More

Minimum Balance Rate APY
$15,000 - $24,999 1.09% 1.10%
$25,000 - $49,999 1.49% 1.50%
$50,000 - $99,999 1.74% 1.75%
$100,000 - $249,999 2.47% 2.50%
$250,000+ 2.96% 3.00%

Managed Liquidity Money Market Learn More

Minimum Balance Rate APY
$50,000 - $99,999.99 1.98% 2.00%
$100,000-$249,999.99 2.47% 2.50%
$250,000-$499,999.99 2.96% 3.00%
$500,000-$999,999.99 3.44% 3.50%
$1,000,000 & Over 3.93% 4.00%

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