Skyla Credit Union

Charlotte, North Carolina
Last verified: July 30, 2026
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Verified rate book

Current Skyla Credit Union rates

61 published offers verified as of July 30, 2026.

How we verify rates

Mortgage rates

11 offers
Skyla Credit Union mortgage rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.327% APR6.200%—Standard
30-Year Fixed30 year fixed6.327% APR6.200%—Standard
Welcome Home Loan30 year fixed7.056% APR6.990%—Standard
15-Year Fixed15 year fixed5.750% APR5.750%—Standard
15-Year Fixed15 year fixed5.959% APR5.750%—Standard
15-Year Fixed15 year fixed5.959% APR5.750%—Standard
7/1 ARM7 1 arm5.708% APR5.600%—Standard
7/1 ARM7 1 arm5.708% APR5.600%—Standard
Welcome Home Loanother7.056% APR6.990%—Standard
Land Loanother9.655% APR9.500%—Standard
Land Loanother9.655% APR9.500%—Standard

Auto & vehicle rates

10 offers
Skyla Credit Union auto & vehicle rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
48-Month Auto Loanauto_any_48mo3.990% APR3.990%48 moStandard
48-Month New Auto Loanauto_new_48mo3.990% APR3.990%48 mo · newStandard
60-Month New Auto Loanauto_new_60mo4.990% APR4.990%60 mo · newStandard
Used Auto (2 - 10 years)auto_used_48mo4.990% APR4.990%48 mo · usedStandard
Used Auto (2 - 10 years)auto_used_60mo5.500% APR5.500%60 mo · usedStandard
Auto (11+ years) & Motorcyclesmotorcycle_any_60mo7.250% APR7.250%60 moStandard
Auto (11+ years) & Motorcyclesmotorcycle_any_72mo7.750% APR7.750%72 moStandard
Older Vehicles, Boats, & RVsboat_used_84mo8.750% APR8.750%84 mo · usedStandard
Auto (11+ years) & Motorcyclesmotorcycle_any_84mo8.750% APR8.750%84 moStandard
Older Vehicles, Boats, & RVsboat_used_120mo9.750% APR9.750%120 mo · usedStandard

HELOC rates

2 offers
Skyla Credit Union heloc rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable6.750% APR6.750%—Standard
Second Mortgageheloc_fixed7.890% APR7.890%—Standard

Personal loan rates

2 offers
Skyla Credit Union personal loan rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Unsecured Personal Loanpersonal_unsecured_60mo12.900% APR12.900%60 moStandard
Personal Line of Creditploc_variable12.900% APR12.900%—Standard

Credit card rates

4 offers
Skyla Credit Union credit card rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum14.900% APR14.900%—Standard
Visa Platinum Rewards Credit Cardcredit_card_rewards15.900% APR15.900%—Standard
Skyla Wealth Visa Signature Credit Cardcredit_card_platinum16.900% APR16.900%—Standard
Visa Shared Secured Credit Cardcredit_card_secured17.950% APR17.950%—Standard

Savings & CD rates

32 offers
Skyla Credit Union savings & cd rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
Skyla Wealth Money Market Accountmoney_market1.25% APY1.24%—Standard
Money Marketmoney_market1.50% APY1.50%—Standard
Money Marketmoney_market2.00% APY2.00%—Standard
Non-Profit Checking Accountsavings3.00% APY2.96%—Standard
Regular CDcd_6mo3.65% APY3.65%6 moStandard
6-Month IRA Certificateira_cd_6mo3.65% APY3.59%6 moStandard
Regular Certificate Accountcd_6mo3.65% APY3.59%6 moStandard
Jumbo CDcd_6mo3.75% APY3.75%6 moStandard
Regular CDcd_12mo3.75% APY3.75%12 moStandard
Jumbo Certificate Accountcd_6mo3.75% APY3.69%6 moStandard
Regular CDcd_18mo3.80% APY3.80%18 moStandard
Jumbo CDcd_12mo3.85% APY3.85%12 moStandard
Regular CDcd_24mo3.85% APY3.85%24 moStandard
Jumbo CDcd_18mo3.90% APY3.90%18 moStandard
Regular CDcd_36mo3.90% APY3.90%36 moStandard
Jumbo CDcd_24mo3.95% APY3.95%24 moStandard
Regular CD (Senior)cd4.00% APY4.00%—Standard
Elite Jumbo Certificate Accountcd_12mo4.00% APY3.93%12 moStandard
Elite Jumbo CDcd_12mo4.00% APY4.00%12 moStandard
Senior Certificate Accountcd_18mo4.00% APY3.93%18 moStandard
Jumbo CDcd_36mo4.00% APY4.00%36 moStandard
Regular CDcd_48mo4.00% APY4.00%48 moStandard
Simply Prosper Checking (Qualifications Met)savings4.00% APY3.93%—Standard
Simply Prosper Checkingsavings4.00% APY4.00%—Standard
Elite Jumbo CDcd_24mo4.10% APY4.10%24 moStandard
Jumbo CD (Senior)cd4.10% APY4.10%—Standard
Purpose Savings Account (Qualifications Not Met)savings4.10% APY3.93%—Standard
Senior Jumbo Certificate Accountcd_18mo4.10% APY4.03%18 moStandard
Elite Jumbo CDcd_36mo4.15% APY4.15%36 moStandard
Regular CDcd_9mo4.25% APY4.25%9 moStandard
Elite Jumbo CDcd_48mo4.25% APY4.25%48 moStandard
Purpose Savings Account (Qualifications Met)savings5.00% APY4.89%—Standard

As of July 30, 2026, Skyla Credit Union offers a 30-year fixed mortgage at 6.327% APR. Vehicle loans available from 3.99% APR for 48 months. HELOC rates from 6.75% APR. Personal loan rates from 12.9% APR. Credit card rates from 14.9% APR. Savings and certificate yields up to 5.00% APY.

Source: RateAPI.dev, verified from Skyla Credit Union's official website

Latest available market position · Snapshot August 1, 2026

Skyla Credit Union statewide rate position

This dated snapshot compares the credit union's best published rate in each tracked product with other NC credit unions in the same product market. Products may age out of the current rate book until they are verified again.

Best statewide position#3 of 1330-Year Fixed Mortgage (purchase)
Percentile bandTop 24%among comparable NC offers
Products tracked6in this dated snapshot
Best-position spread8 bp better than state median25 bp from state best
Published rate position by comparable product on August 1, 2026
ProductPublished rateState rankState bestState medianPosition vs. median
30-Year Fixed Mortgage (purchase)6.33% APR#3 of 13 · top 24%6.07%6.41%8 bp better than state median
New Auto Loan (best offer, cars)3.99% APR#5 of 21 · top 24%3.65%4.49%50 bp better than state median
Used Auto Loan (best offer, cars)4.99% APR#11 of 21 · top 53%3.99%4.99%Matches state median
HELOC (best offer)6.75% APR#13 of 17 · top 77%3.50%6.65%10 bp behind state median
Personal Loan (unsecured, best offer)12.90% APR#29 of 35 · top 83%4.85%9.74%316 bp behind state median
12-Month CD (best APY)4.00% APY#2 of 8 · top 25%4.00%3.50%50 bp better than state median

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About Skyla Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
113K
Assets
$1.7B
Founded
1962
Locations reported
20
NCUA charter
24808
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 counseling
  • Financial education
  • First-time homebuyer program
  • Student scholarships

Source: NCUA quarterly call report. 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.

SharonviewPark Road · Charlotte · NC · 28209Branch in the same ZIPState Employees'CHARLOTTE - PARK ROAD · CHARLOTTE · NC · 28209Branch in the same ZIPTruliantPark Rd · Charlotte · NC · 28209Branch in the same ZIPAllegacyCharlotte · Charlotte · NC · 28204About 2.9 miles awayArlington CommunityCenturion Data Center · Charlotte · NC · 28217About 3.1 miles awayFoundersCharlotte East · Charlotte · NC · 28217-5811About 3.1 miles away

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 Skyla Credit Union

Membership eligibility from Skyla Credit Union's own published criteria. How we verify this.

Membership via the American Consumer Council

  • LocationMecklenburg, Union, Cabarrus, Gaston, Iredell, Rowan, Lincoln, York, Chester, Lancaster
  • AssociationAmerican Consumer Council

Verified from Skyla Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Skyla 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 Skyla Credit Union ranks against North Carolina peers.

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Frequently Asked Questions

What rates does Skyla Credit Union offer?

Skyla Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified July 30, 2026 directly from the credit union's official website.

How often are Skyla Credit Union rates updated?

RateAPI verifies Skyla Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 30, 2026.

Where does RateAPI get Skyla Credit Union's rate data?

Rate data is collected directly from Skyla Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Skyla Credit Union's mortgage rate?

As of July 30, 2026, Skyla Credit Union offers a 30-year fixed mortgage at 6.327% APR.

What are Skyla Credit Union's auto, boat & motorcycle loan rates?

As of July 30, 2026, Skyla Credit Union offers vehicle loans from 3.99% APR.

What is Skyla Credit Union's HELOC rate?

As of July 30, 2026, Skyla Credit Union offers home equity lines of credit from 6.75% APR.

What is Skyla Credit Union's personal loan rate?

As of July 30, 2026, Skyla Credit Union offers personal loans from 12.9% APR.

What is Skyla Credit Union's best CD rate?

As of July 30, 2026, Skyla Credit Union offers savings and certificate (CD) yields up to 5.00% APY.

Related Rate Data

Compare Skyla Credit Union's rates against national credit-union benchmarks.

More North Carolina credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Skyla Credit Union rates

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# Get rates for Skyla Credit Union
curl "https://api.rateapi.dev/credit-unions/north-carolina/skyla" \
  -H "Authorization: Bearer YOUR_API_KEY"
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