--- title: "SKY Credit Union Rates - Montana" description: "Current mortgage, vehicle loan, personal loan, and credit card rates from SKY Credit Union in Montana. Updated daily with source verification. See who can join SKY Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/montana/sky" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # SKY Credit Union Rates - Montana ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Mobile Home** other | — APR | 11.490% | — | Context only | SKY Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **ECO Auto Loan** auto_any_60mo | — APR | 5.240% | 60 mo | Standard | | **60-Month New Auto Loan** auto_new_60mo | — APR | 5.240% | 60 mo · new | Standard | | **60-Month New RV Loan** rv_new_60mo | — APR | 6.490% | 60 mo · new | Standard | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 6.740% | 84 mo · used | Standard | | **60-Month Used RV Loan** rv_used_60mo | — APR | 6.990% | 60 mo · used | Standard | SKY Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 5.000% | — | Context only | | **Credit Builder Loan** personal | — APR | 8.240% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.990% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 12.500% | — | Context only | | **Overdraft Line of Credit** personal | — APR | 13.250% | — | Context only | SKY Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 10.900% | — | Context only | SKY Credit Union credit card rates as of November 12, 2026 SKY Credit Union is a credit union in Montana. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/montana/sky) , verified from [SKY Credit Union's official website](https://www.skyfcu.org/) Loading branch locator… ## About SKY Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 12.7K Assets $190.4M Founded 1935 Locations reported 6 NCUA charter 761 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - First-time homebuyer program - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Intrepid** Bozeman - Jacob's Crossing · Bozeman · MT · 59715-4756 About 24.3 miles away](https://rateapi.dev/credit-unions/montana/intrepid) [**Clearwater** Clearwater - Bozeman Downtown · Bozeman · MT · 59715 About 24.6 miles away](https://rateapi.dev/credit-unions/montana/clearwater) [**Valley Financial** Bozeman Branch · Bozeman · MT · 59715-2125 About 25.9 miles away](https://rateapi.dev/credit-unions/montana/valley-financial) [**Horizon** Bozeman Branch · Bozeman · MT · 59718-3758 About 26.1 miles away](https://rateapi.dev/credit-unions/washington/horizon) [**Altana** Altana FCU Columbus · Columbus · MT · 59019-7569 About 63.4 miles away](https://rateapi.dev/credit-unions/montana/altana) [**Southwest Montana Community** Whitehall · Whitehall · MT · 59759 About 77.4 miles away](https://rateapi.dev/credit-unions/montana/southwest-montana-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join SKY Credit Union Membership eligibility from SKY Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on SKY Credit Union's website. Check the membership page below to confirm whether you qualify. - Location gallatin, madison, park, sweet grass, broadwater, carbon, cascade, deer lodge, golden valley, granite, jefferson, lake, lewis and clark, meagher, mineral, missoula, powell, ravalli, silver bow, stillwater, wheatland, yellowstone, bonneville, fremont — MT, ID, WY Verified from [SKY Credit Union's membership page](https://www.skyfcu.org/about-us/become-a-member.html) . Final membership determination is always made by the credit union. ## Membership rules for SKY Credit Union Geography 27 counties · Family 2 222 published paths to membership, last verified August 27, 2026, quoted from SKY Credit Union’s own published criteria. ### Geography 27 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Bonneville County, ID - Broadwater County, MT - Carbon County, MT - Cascade County, MT - Deer Lodge County, MT - Fremont County, ID - Gallatin County, MT - Golden Valley County, MT - Granite County, MT - Jefferson County, ID - Jefferson County, MT - Lake County, MT - Lewis And Clark County, MT - Madison County, ID - Madison County, MT - Meagher County, MT - Mineral County, MT - Missoula County, MT - Park County, MT - Park County, WY - Powell County, MT - Ravalli County, MT - Silver Bow County, MT - Stillwater County, MT - Sweet Grass County, MT - Wheatland County, MT - Yellowstone County, MT “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Gallatin County, MT; Madison County, MT; Park County, MT; Sweet Grass County, MT” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Show all 27 places ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family members “and their immediate family members.” > [source ↗](https://www.skyfcu.org/about-us/become-a-member.html) - Family member (immediate family members) of a member - Family of someone eligible immediate family “Sky Federal Credit Union now serves persons who live, work (or regularly conduct business in), worship or attend school in, or participate in associations headquartered in, or participate in programs to alleviate poverty or distress which are located in, and incorporated and unincorporated…” > [source ↗](https://www.skyfcu.org/about-us/become-a-member.html) - Family member (immediate family) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for SKY Credit Union? Yes No ## Work at SKY Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where SKY Credit Union ranks against Montana peers. - See which AI assistants fetched SKY Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Montana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=sky&state=montana&code=MT&name=SKY%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does SKY Credit Union offer? SKY Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are SKY Credit Union rates updated? RateAPI verifies SKY Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get SKY Credit Union's rate data? Rate data is collected directly from SKY Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join SKY Credit Union? SKY Credit Union publishes its membership criteria on its own website. RateAPI tracks 222 published membership paths covering 27 counties for SKY Credit Union, each quoted from SKY Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare SKY Credit Union's rates against national credit-union benchmarks. [More Montana credit unions](https://rateapi.dev/credit-unions/montana) [Montana mortgage rate leaders](https://rateapi.dev/mortgage-rates/montana) [Montana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/montana) [Montana personal loan leaders](https://rateapi.dev/personal-loan-rates/montana) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.skyfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track SKY Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Montana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for SKY Credit Union curl "https://api.rateapi.dev/credit-unions/montana /sky " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## SKY Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/montana/sky Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp