Credit union · NCUA insured
Sky Federal Credit Union
A $190.4M credit union headquartered in Livingston, MT, with 12,746 members and 6 branches in Montana. Best rates: CDs 4.00% and savings 0.85% APY.
Sky Federal Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#3 of 12 in Bozeman, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sky Federal Credit Union
Sky Federal Credit Union is a member-owned, not-for-profit financial cooperative that has been serving members since 1935.
The community-chartered institution serves individuals, businesses, and organizations across designated rural counties in Montana, Idaho, and Wyoming.
Sky Federal Credit Union and On Tap Credit Union have announced an intent to merge.
- Headquarters
- 111 N B St, Livingston, MT 59047
- NCUA charter
- 761
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, conduct business, worship, attend school, or participate in qualifying associations or programs, as well as businesses and organizations located in designated counties across Montana, Idaho, and Wyoming.
Family and household
- Immediate family members of eligible persons are eligible to join Sky Federal Credit Union.
Branches
6 branches in Montana
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Montana
6 branches
Bozeman area · 3
- Sky Federal Credit Union95 N Weaver St, Belgrade, MT 59714Directions
- Sky Federal Credit Union777 E Main St Ste 102, Bozeman, MT 59715Directions
- Sky Federal Credit Union1500 N 7th Ave, Bozeman, MT 59715Directions
Livingston area · 1
- Sky Federal Credit UnionMain office111 N B St, Livingston, MT 59047Directions
Big Timber area · 1
- Sky Federal Credit Union233 McLeod St, Big Timber, MT 59011Directions
Ennis area · 1
- Sky Federal Credit Union4939 US Highway 287 N, Ennis, MT 59729Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.72% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.02% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.30% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio7.72%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.02%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.30%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sky Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.