Credit union · NCUA insured
Northern Skies Federal Credit Union CD Rates
Top CarrotNorthern Skies Federal Credit Union’s best CD rate is 4.10% APY on an 18-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Northern Skies Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Anchorage, AK, where Northern Skies Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northern Skies Federal Credit Union
4.00%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $606
Share Certificates
Top rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
2nd-highest rate
True North Federal Credit Union
4.25%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $317
Northern Skies Federal Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Northern Skies Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.00%APY · 5 terms
Dividends compounded quarterly. Penalty for early withdrawal: terms 90 days or less is 30 days dividends, less than 1 year and more than 90 days is 90 days dividends, terms between 11-24 months is 180 days dividends, and greater than 24 months is 365 days dividends.
| Term | APY · Any balance | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsBalance Under $100,000 | 3.20% | — | — | 3.20% | $159 |
| 12 monthsBalance $100,000 and over | — | — | 4.00% | —4.00% from $100k | — |
| 12 monthsBalance Under $100,000 | — | 3.90% | — | 3.90% | $390 |
| 18 monthsBalance $100,000 and over | — | — | 4.10% | —4.10% from $100k | — |
| 18 monthsBalance Under $100,000 | — | 4.00% | — | 4.00% | $606 |
| 24 monthsBalance $100,000 and over | — | — | 4.10% | —4.10% from $100k | — |
| 24 monthsBalance Under $100,000 | — | 4.00% | — | 4.00% | $816 |
| 36 monthsBalance $100,000 and over | — | — | 4.10% | —4.10% from $100k | — |
| 36 monthsBalance Under $100,000 | — | 4.00% | — | 4.00% | $1,249 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 4.60%APY · 2 terms
Dividends compounded quarterly or monthly. Available in Traditional and Roth IRAs. Penalty for early withdrawal applies.
| Term | APY · Up to $100,000 | APY · Any balance | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsBalance $100,000 and over. No monthly or annual maintenance fees | — | 4.20% | 4.20% | $420 |
| 12 monthsBalance Under $100,000. No monthly or annual maintenance fees | 4.20% | — | 4.20% | $420 |
| 24 monthsBalance $100,000 and over. No monthly or annual maintenance fees | — | 4.60% | 4.60% | $941 |
| 24 monthsBalance Under $100,000. No monthly or annual maintenance fees | 4.60% | — | 4.60% | $941 |
Sources (2)
- nsfcu.org/accounts/checking/member-checking.html
- nsfcu.org/accounts/savings/ind…ement-accounts-iras.html
All captured Oct 15, 2026
Who can join Northern Skies Federal Credit Union
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