Rates Effective 7.01.2025

 

Ways to Save Money!

Account Type	Rate	APY*	Minimum
Regular Shares Business Shares	0.05% 0.05%	0.05% 0.05%	$100.00 $100.00
IRA Shares	0.05%	0.05%	$100.00
Share Drafts	0.000%	0.000%	N/A
Sub Accounts	0.05%	0.05%	$100.00
Club Accounts	0.05%	0.05%	$100.00
IOLTA Account (Attorney's Use Only)	0.10%	0.10%	$100.00
Consumer and Business Money Market Tiers: Tier 1 Tier 2 Tier 3 Tier 4 Tier 5 Tier 6	0.000% 0.500% 0.750% 1.000% 3.250% 0.000%		$0.00-4,999.99 $5,000.00-24,999.99 $25,000.00-74,999.99 $75,000.00-99,999.99 $100,000.00-499,999.99 $500,000.00 +

IRA Share Certificates | Consumer Only

Term	Rate	APY*	Minimum
6 Months	0.15%	0.15%	$500.00
1 Year	0.25%	0.25%	$500.00
2 Years	0.40%	0.40%	$500.00
3 Years	0.50%	0.50%	$500.00

Share Certificates | Consumer and Business

Term	Rate	APY*	Minimum
6 Months	0.15%	0.15%	$500.00
1 Year	0.25%	0.25%	$500.00
18 Months	0.30%	0.30%	$500.00
2 Years	0.40%	0.40%	$500.00
3 Years	0.50%	0.50%	$500.00

Share, Draft and Certificate Accounts: Dividend Rates stated are as of date indicated. Regular Share, Share Draft, Club, and IRA Regular Share are the declared rate for 07/01/2025. All rates subject to change. Next share dividend declaration date is on or before December 31, 2025 and share dividends may change at that time. Certificate rates are subject to change at any time. Certificate early withdrawal penalty is 90 days of interest. *APR = Annual Percentage Rate, APY = Annual Percentage Yield

Money Market Accounts: Minimum to qualify for money market dividend is $5,000.00. Maximum for money market dividend is $499,999.99. All funds on deposit in money market account over $500,000 will receive a dividend rate of 0.000% dividend. Dividends on money market accounts may be repriced at any time, without notice. Dividend calculation is based on average daily balance. *APR = Annual Percentage Rate, APY = Annual Percentage Yield

 

Loan Rates Effective 05/28/2025

All loan rates are lowest available rate for loan types. Rates are based on credit history and qualification, restrictions apply. For vehicles: "New" means titled as new and not used.  All rates subject to change without notice. Existing Skyline Financial FCU loans do not qualify for refinancing.

Personal Loans

Terms:	36 Months	48 Months	60 Months
Personal Loans	12.00%	13.00%	15.00%
Personal Co-Signer	12.00%	13.00%	15.00%

Personal and Business Line of Credit

Terms:	Open End
Visa Credit Card See VISA page for full details and disclosure.	9.90%
Personal and Business Line of Credit *Checking account required. Line of credit variable rate is Prime + 4.00%. Floor of 4.00% and capped at 18.00%. Line of credit monthly payment includes a factor of 1.50% of principal due monthly. Minimum payments may vary, no prepayment penalty. Other terms may apply, see disclosure for full details. EOL.	11.50%*

 

Auto & Camper Loans

Terms:	36 Months	48 Months	60 Months	72  Months	84  Months
New Auto	4.00%	5.75%	6.00%	7.00%	8.25%
Used Auto 2019 to Current	5.50%	6.50%	7.25%	8.25%	9.25%
Used Auto 2018-Older	9.50%	10.25%	11.25%	Max Term is 60 Months on Used 2018 and Older.
Camper 2019 and Newer	36 Month Term Not Available	6.00%	6.25%	6.75%	7.00%

Motorcycle, ATV, 4-Wheeler, & Jetski Loans

Terms:	36 Months	48 Months	60 Months
2020 and Newer	7.50%	10.50%	12.50%
2019 and Older	Terms not available for 2017 and older.

Boats (New Boats Only)

Terms:		48 Months	60 Months	72 Months	84 Months
Current		6.00%	6.25%	6.75%	7.00%

Share Secured

Terms:	6 Months	12 Months	18 Months	24 Months	36 Months
Share Secured	5.00%	5.00%	5.00%	5.00%	6.50%
Shared Secured Loan Rate is in addition to the current dividend rate of the certificate it's secured with.

Member Business Loans | UCC 1 Loans

Terms:	60 Months	120 Months	180 Months	360 Months*
Member Business Loan	10.00%	11.00%	12.00%	8.75%
*360 Months Terms Available with lien on real estate. Rates and terms may vary. Maximum Unsecured Amount is $50,000.00 Displayed rate is the lowest available rate based on top tier credit score. Rates are based on cash flow analysis, personal credit history and qualification, restrictions apply.

Mortgages | Owner Occupied and Non-Owner Occupied

Terms:	120 Months	180 Months	360 Months	Term Max
1st Mortgage	5.000%	5.250%	5.50%	30 Years
Home Equity Fixed Loan	7.000%	7.750%	8.000%	15 Years
HELOC	7.50% Variable Rate. Rate is always equivalent to Prime Rate as published in the Wall Street Journal. Rates change the 1st of each month following a change in the prime rate. Maximum first mortage loan is $500,000; maximum second mortgage loan or HELOC is $350,000. 80% loan to value maximum on all real estate lending.