Rates
Current rates for saving, investing or borrowing.

  • Savings, Certificates and IRA Rates

    Savings Accounts*

    (Effective 6/30/2019)

    Share Type Annual Percentage Yield
    Regular Share 0.50%
    Special Share 0.50%
     Christmas Club / Vacation Club Share 0.65%
    IRA Share 0.80%
    Silver Wings Checking 0.25%

    Aim Higher Checking****
        High Interest Rate
        Standard Rate

    		 2.50%
    0.25%

    CERTIFICATE AND IRA RATES** 

    (Effective 8/24/2019)

    Term Minimum Balance Annual Percentage Yield
    6 Months $1,000 0.80%
    11 Months*** $1,000 2.25%
    12 Months $1,000 1.70%
    12 Months (Save to Win) $25 1.70%
    24 Months $1,000 2.00%
    36 Months $1,000 2.25%
    48 Months $1,000 2.35%
    60 Months $1,000 2.65%

     

    *Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period and cannot be guaranteed. Dividend rates were declared by the board of directors for excel checking, regular share, Christmas club, share certificates, and IRA share and certificate accounts and may change without notice. Contact your local skyward credit union office for current rates. A minimum share deposit of $5.00 is required. Regular share requires a daily balance of $100 or more to earn dividends.

    **Investing in a share certificate requires a minimum deposit of $1,000.00 unless noted otherwise and an open regular share account. Early withdrawals may be subject to a substantial penalty.

    ***APY is accurate as of 8-24-2019. Roth and traditional IRA certificates are not eligible. Promotion subject to change at any time. Minimum opening balance $1,000. Certificate automatically renews to 12-month term at maturity. Early withdrawal penalties may apply. Fees could reduce earnings.
    ALL ACCOUNTS ARE INSURED UP TO $250,000 BY THE NCUA, AN AGENCY OF THE FEDERAL GOVERNMENT.

    ****High Interest Rate is earned on on balances up to $10,000 and if all requirements are met to qualify. The Standard Rate interest rate will be paid on all balances over $10,000, or on the entire balance if the account does not meet the monthly requirements.

  • Current Consumer Loan Rates

    (Effective 1/3/2019)

    Secured Loans

    New and Used Vehicles, Boats, Motorcycles, Recreational Vehicles and Miscellaneous Security

    Term Annual Percentage Yield
    Up to 36 months 3.34% to 16.45%*
    37 to 48 months 3.34% to 16.95%*
    49 to 60 months 3.34% to 17.45%*
    61 to 72 months 3.84% to 17.95%*
    73 to 84 months 4.84% to 19.45%*

     

    Platinum Mastercard

    Term Annual Percentage Rate
    Introductory Rate – first 6 months / billing cycles 3.99% APR**
    Fixed Rate (after Introductory period) 7.90% – 13.75% APR**

    Unsecured Loans

    8.75% to 20.00% APR*

    Savings Secured Loans

    Type Annual Percentage Rate 
    Share Savings Secured Loans 2.00% + Share Account Rate
    Certificate Secured Loans 2.00% + Certificate Rate APR**

    *Rate is determined by term, credit score and collateral value. Eligibility for lowest secured loan rate in each tier is based on applicant’s credit score, age of collateral, requires a Skyward Credit Union checking account and automatic transfer of loan payments with a maximum term of 60 months.

    **Rate is determined by credit score.

  • Mortgage and Home Equity

    First Mortgage

    Mortgage Rates

    Click the button above to calculate a mortgage rate from Skyward Credit Union.

    Home Equity Line of Credit

    Variable Rate Effective 8/1/2019

    Share Type Annual Percentage Yield
    Up to 144 months, up to 80% Loan to Value 5.25%
    Up to 144 months, 81% – 90% Loan to Value 6.00%
    Investment: Up to 144 months, 80% Loan to Value 5.75%

     

    Fixed Rate Home Equity Loan

    2nd Mortgage

    Term Annual Percentage Yield
    Up to 84 Months, max 80% loan to value 5.49%
    Up to 84 Months, 81% – 90% loan to value 5.99%
    85 to 120 Months, max 80% loan to value 5.99%
    85 to 120 Months, 81% – 90% loan to value 6.49%