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Rates - Skyline Financial Federal Credit Union

Rates Effective 11/20/2023

 

Ways to Save Money!
Account Type Rate APY* Minimum
Regular Shares 0.003% 0.003% $100.00
IRA Shares 0.005% 0.005% $100.00
Share Drafts 0.000% 0.000% N/A
Sub Accounts 0.003% 0.003% $100.00
Club Accounts 0.003% 0.003% $100.00
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
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
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 9/29/2023. All rates subject to change. Next share dividend declaration date is December 5, 2023 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 calcuation is based on average daily balance. *APR = Annual Percentage Rate, APY = Annual Percentage Yield

 

Loan Rates Effective 9/1/2023

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%
Auto & Camper Loans
Terms: 36 Months 48 Months 60 Months 72 
Months
84  Months
New Auto 4.00% 4.75% 5.15% 6.00%

7.25%

Used Auto 2019 to 2022

5.00%

5.50% 6.15% 7.99% 10.00%
Used Auto 2018-Older 8.00% 8.50% 10.00%

Max Term is 60 Months on Used 2018 and Older.

Camper 2018 and Newer

36 Month Term Not Available

7.00% 9.00%

9.50%

10.00%
Motorcycle, ATV, 4-Wheeler, & Jetski Loans
Terms: 36 Months 48 Months 60 Months
2019 to New 7.50% 10.50% 12.50%
2017 and Older

Terms not available for 2017 and older.

Boats (New Boats Only)
Terms:   48 Months 60 Months 72 Months 84 Months
Current   7.00% 9.00% 9.50% 10.00%
Share Secured
Terms: 6 Months 12 Months 18 Months 24 Months 36 Months
Share Secured 8.00% 8.00% 8.00% 8.00% 10.50%

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%

13.00%

  • Up to 360 Months Terms Available if lien on real esate.
  • Rates and terms may vary.
  • Displayed rate is the lowest available rate based on A credit. Rates are based on cash flow analysis, personal credit history and qualification, restrictions apply. 
Mortgages
Terms: 120 Months 180 Months 360 Months Term
1st Mortgage 6.000% 7.000% 8.000% Up to 30 Years
2nd Mortgage 8.500% 9.500% 10.000% Up to 15 Years
HELOC Variable Rate. Equivellent 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 second mortgage loan or HELOC is $90,000. 80% loan to value maximum. 

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.