Rates Current rates for saving, investing, or borrowing.
-
SAVINGS, CERTIFICATES, and IRA RATES
Deposit Accounts
Effective 11/21/2025. These rates are subject to change without notice.
Share Type Annual Percentage Yield (APY) Regular Share1 0.10% Special Share2 0.10% Aviator Crew (Youth Share Account)3 0.10% Christmas Club / Vacation Club Share2 0.50% IRA Share4 0.50% Silver Wings Checking5 0.15% Aim Higher Checking6
Interest Rate (on balances up to $10,000)
Standard Interest Rate (on balances over $10,000)
Low Interest Rate (accounts not meeting requirements)
3.00%
0.25%
0.15%
1 $5.00 minimum opening balance. $100.00 minimum balance to earn APY. APY is a variable rate and can change after the account is opened. Dividends compounded and paid quarterly. Fees may reduce earnings. Regular Share account is required to become a member.
2 Special Share/Christmas Club/Vacation Club – No minimum opening balance. APY is a variable rate and can change after the account is opened. Dividends compounded and paid quarterly. Fees may reduce earnings.
3 Youth Account - $5.00 minimum opening balance. $5.00 minimum balance to earn APY. APY is a variable rate and can change after the account is opened. Dividends compounded and paid quarterly. Fees may reduce earnings.
4No minimum opening balance. APY is a variable rate and can change after the account is opened. Dividends compounded and paid quarterly. Fees may reduce earnings. Subject to IRS rules and annual contribution limits. Please consult your tax advisor for guidance on tax-related matters.
5 Silver Wings Checking – No minimum opening balance. $1000.00 minimum balance to earn APY. APY is a variable rate and can change after the account is opened. Dividends compounded and paid monthly. Fees may reduce earnings.
6 AIM Higher Checking - No minimum opening balance. APY is a variable rate and can change after the account is opened. To earn the highest yield, you must complete a minimum of 10 debit card transactions, log in to online banking at least once, and receive e-statements every month. Internal transfers, cash advance, wires, and ATM transactions do not count towards qualifying debit card transactions. If requirements are met each month balances up to $10,000.00 receive 3.00% APY, balances over $10,000.00 earn 0.25% APY, and when monthly requirements are not met 0.15% APY is earned on any balance. See Terms and Conditions for more information. Dividends compounded and paid monthly. Fees may reduce earnings.
Share Certificate* and IRA Rates**
Effective 10/15/2026. These rates are subject to change without notice.
TERM MINIMUM BALANCE ANNUAL PERCENTAGE YIELD (APY) 6 Months $1000 2.30% 8 Months Special6 $1000 4.00% 12 Months $1000 2.30% 12 Months Skyward Saver (Add-on) $25 2.30% 20-Month Special6 $1000 4.15% 24 Months $1000 2.75% 30-Month Special6 $1000 4.35% 36 Months $1000 3.00% 48 Months $1000 3.00% 60 Months $1000 3.00% *Share Certificates – Early withdrawal penalties may apply and could reduce earnings or principal. Minimum opening balance required as stated above. Dividends compounded and paid quarterly.
**IRA Certificates – Early withdrawal penalties may apply and could reduce earnings or principal. Minimum opening balance required as stated above. Dividends are compounded and credited based on the certificate term selected. IRA Certificates are subject to IRS rules and annual contribution limits. Please consult your tax advisor for guidance on tax-related matters.
6Applies to Share Certificates only. Roth and Traditional IRA certificates are not eligible. Promotion subject to change. Limited time offer. -
CONSUMER LOAN RATES
Secured Loans*
Effective 10/14/2026. These rates are subject to change without notice.
New and Used Vehicles and Motorcycles
Terms Annual Percentage Rate (APR) Up to 36 months 5.69% to 16.69% 37 to 48 months 5.69% to 16.69% 49 to 60 months 5.69% to 17.19% 61 to 72 months 5.94% to 17.69% 73 to 84 months 6.94% to 11.94% RV, Camper, Boat: add 1% to the above stated APR.
* Secured loans are fixed rate products based on loan term, creditworthiness, and collateral value. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
Skyward Mastercard® Credit Cards**
Effective 11/2/2026. These rates are subject to change without notice.
Prime Rate = 6.75%TERM Introductory Rate Standard Rate Skyward Mastercard® 1.90% APR for the first 12 months 12.00%-18.00% APR Skyward Rewards Mastercard® 1.90% APR for the first 12 months 14.00%-20.00% APR **APR = annual percentage rate. Credit cards are variable rate products based on Wall Street Journal Prime Rate + margin of 5%-13% based on creditworthiness. 1.90% introductory APR applies to purchases and balance transfers for new cardholders made within the first 12 billing cycles and then reverts to the standard rate assigned at account opening. APR can adjust monthly without notice based on Prime Rate. Fees, limitations, and conditions may apply.
Unsecured Loans***
Effective 11/2/2026. These rates are subject to change without notice.
Type Annual Percentage Rate (APR) Unsecured Loan 10.19% - 19.69% ***Rates are based on creditworthiness. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
Savings Secured Loans****
Effective 10/1/2025. These rates are subject to change without notice.
TYPE ANNUAL PERCENTAGE RATE (APR) Share Savings Secured Loan 3.00%+ Share Account Rate Share Certificate Secured Loan 3.00% + Certificate Rate APY ****Collateral must be a Skyward share account. IRA and checking accounts are not eligible. Fees, limitations, and conditions may apply.
-
MORTGAGE AND HOME EQUITY
First Mortgage
Click the button above to see mortgage rates from Skyward Credit Union.
Home Equity Line of Credit*
Prime Rate = 7.00%
Effective 10/02/2026. These rates are subject to change without notice.Loan Term LOan to Value (LTV) Annual Percentage Rate (APR) 144 months <80% 7.00% (Prime + 0.00% margin) 144 months 81%-90% 7.75% (Prime + 0.75% margin) 144 months; Investment <80% 8.00% (Prime + 1.00% margin) * Home Equity Line of Credit (HELOC) is a variable rate product based on Wall Street Journal Prime Rate plus a margin. APR can adjust semi-annually on the first day of February and August and cannot change more than 1% each adjustment. APR cannot increase more than 7% above the initial APR at account opening, or exceed the maximum permitted by law, whichever is less. Finance charges begin to accrue on the date of each advance. Property must be in KS or OK. Up to 10-year repayment period based on the date of last advance. Approvals are subject to creditworthiness and collateral value. Fees, limitations, and conditions may apply. NMLS 401957.
Fixed Rate Home Equity Loan**
2nd Mortgage
Effective 09/16/2026. These rates are subject to change without notice.
LOAN TERM Loan to Value (LTV) ANNUAL PERCENTAGE RATE (APR) Up to 84 Months <80% 7.00% Up to 84 Months 81%-90% 7.50% 85 to 120 Months <80% 7.50% 85 to 120 Months 81%-90% 8.00% ** 2nd Mortgage is a fixed rate product. Approvals are subject to creditworthiness and collateral value. Property must be in KS or OK. Fees, limitations, and conditions may apply. NMLS 401957.