Share Rates Effective 6/14/2023

 

Regular Accounts

Regular Accounts	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

IRA 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

Dividend Rates stated are as of date indicated. Regular Share, Share Draft, Club, and IRA Regular Share are the declared rate for 3/16/2023. All rates subject to change. Next share dividend declaration date is June 30, 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

 

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.