Sky Federal Credit Union Savings & Money Market Rates

How Sky Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Bozeman, MT, where Sky Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Sky Federal Credit Union
3.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$300
Free Kasasa Saver
Top rate
Horizon Credit Union
3.03%APY
Requires
Monthly account activity
Minimum
$5
Earns on $10,000 a year
$303
Horizon Credit Union rates
3rd-highest rate
U.S. Bank
2.00%APY
Requires
Another account
Minimum
$25
Earns on $10,000 a year
$200
U.S. Bank rates

Compare savings rates near you →

Savings score

Higher than 76% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.75%
$10,000 balance$10,0000.85%
$100,000 balance$100,0001.50%
QualifiedQualified3.00%

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.

How the score works →

Where Sky Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Managed Liquidity Money Market

Up to 3.95%APY$50,000 to open

Avoid the $10 monthly fee by maintaining minimum balance of $50,000. Dividends paid monthly based on average daily balance. Unlimited withdrawals or transfers in person, by mail or ATM including preauthorized, automatic transfers.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$50,000 – $100,000	1.50%	—
$100,000 – $250,000	1.50%	—
$250,000 – $500,000	3.50%	—
$500,000 – $1,000,000	3.50%	—
$1,000,000 and up	3.95%	—

Sources (2)

All captured Oct 4, 2026

Sky High Money Market

Up to 3.50%APYRequirements apply$15,000 to open

Active share draft account required. Avoid the $15 monthly fee by maintaining minimum balance of $15,000. Dividends paid monthly based on average daily balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$15,000 – $24,999	0.85%	—
$25,000 – $49,999	1.25%	—
$50,000 – $99,999	1.50%	—
$100,000 – $249,999	2.00%	—
$250,000 and up	3.50%	—

Sources (2)

All captured Oct 4, 2026

Free Kasasa Saver

Up to 3.00%APYRequirements apply

Requires linking to a Free Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per SSN.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during the Monthly Qualification Cycle (at least 1 direct deposit, ACH payment, or bill pay transaction; at least 15 debit card purchases; enrolled in and log into online banking).	3.00%	$300	When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during the Monthly Qualification Cycle (at least 1 direct deposit, ACH payment, or bill pay transaction; at least 15 debit card purchases; enrolled in and log into online banking).
Any balanceBase rate earned on all balances if monthly qualifications are not met.	0.05%	$5	Base rate earned on all balances if monthly qualifications are not met.

Sources (2)

All captured Sep 16, 2026

Premier Money Market

Up to 2.00%APY$25,000 to open

Avoid the $10 monthly fee by maintaining minimum balance of $25,000. Direct check writing ability (up to 3 per month). Dividends paid monthly based on average daily balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$25,000 – $49,999	1.25%	—
$50,000 – $99,999	1.50%	—
$100,000 – $149,999	1.50%	—
$150,000 – $199,999	1.75%	—
$200,000 and up	2.00%	—

Sources (2)

All captured Oct 4, 2026

Regular Money Market

0.85%APY$1,000 to open

Avoid the $10 monthly fee by maintaining minimum balance of $1,000. Up to 3 direct checks per month. Dividends paid monthly based on average daily balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$1,000 – $9,999	0.75%	—
$10,000 – $24,999	0.85%	$85
$25,000 – $49,999	1.25%	—
$50,000 – $99,999	1.50%	—
$100,000 and up	1.50%	—

Sources (2)

All captured Oct 4, 2026

Sky High Wealth Builder Plus

0.80%APY$2,500 to open

Secondary savings account. 3 free debits per month; $20 fee for non-qualified withdrawals in excess thereafter. Requires total deposit of $100 per month to avoid $5 monthly fee, and minimum average daily balance of $2,500 to avoid $25 monthly maintenance fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $20,000Dividends paid monthly based on average daily balance. $25 monthly fee waived by maintaining minimum average daily balance of $2,500; additional $5 fee waived with $100/month deposits.	0.80%	$80	Dividends paid monthly based on average daily balance. $25 monthly fee waived by maintaining minimum average daily balance of $2,500; additional $5 fee waived with $100/month deposits.
$20,000 and upDividends paid monthly based on average daily balance. $25 monthly fee waived by maintaining minimum average daily balance of $2,500; additional $5 fee waived with $100/month deposits.	0.85%	—	Dividends paid monthly based on average daily balance. $25 monthly fee waived by maintaining minimum average daily balance of $2,500; additional $5 fee waived with $100/month deposits.

Sources (2)

All captured Sep 16, 2026

Borrow & Save Savings

0.50%APYRequirements apply

Savings account associated with Borrow & Save loan program.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,200	0.05%	—
$1,201 – $2,400	0.10%	—
$2,401 – $3,600	0.15%	—
$3,601 – $4,800	0.25%	—
$4,801 – $6,000	0.25%	—
$6,001 and up	0.50%	$50

Sources (1)

skyfcu.org/services-tools/tools/rates.html · captured Sep 16, 2026

WINcentive™ Savings

0.05%APY$5 to open

Prize-linked savings account for Montana residents who are members in good standing. Max 2 withdrawals per 12-month period (1st = $10, 2nd = $25, 3rd requires account closure and forfeiture of entries). One penalty-free withdrawal permitted during anniversary month.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upEarns entries into cash drawings (1 entry per $25 month-over-month balance increase).$5 and up	0.05%	$5	Earns entries into cash drawings (1 entry per $25 month-over-month balance increase).

Sources (2)

All captured Sep 16, 2026

Wealth Builder Savings

0.05%APY$25 to open

Secondary savings account. $20 fee per withdrawal. Requires a total deposit of $25 per month to avoid the $5 monthly fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upDividends paid monthly based on average daily balance. $5 monthly fee waived with total deposit of at least $25/month.$25 and up	0.05%	$5	Dividends paid monthly based on average daily balance. $5 monthly fee waived with total deposit of at least $25/month.

Sources (2)

All captured Sep 16, 2026

First Time Homebuyer Savings

0.01%APY

Set aside funds for the purchase of a first home. Deposits can be made for up to 10 years or until account holders purchase their first home. May offer benefits on Montana tax return.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo setup charges or service fees. Dividends paid monthly based on average daily balance.Any balance	0.01%	$1	No setup charges or service fees. Dividends paid monthly based on average daily balance.

Sources (2)

All captured Sep 16, 2026

Regular Savings

0.01%APY$25 to open

Represents share of ownership in Sky Federal Credit Union. $25 opening balance must remain in account to maintain membership. Avoid $5 monthly fee by maintaining minimum balance of $200, OR receiving direct deposit, OR having another deposit account or loan with Sky.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upDividends paid monthly based on average daily balance. Fee waived with $200 minimum balance, direct deposit, or another Sky account/loan.$25 and up	0.01%	$1	Dividends paid monthly based on average daily balance. Fee waived with $200 minimum balance, direct deposit, or another Sky account/loan.

Sources (2)

All captured Sep 16, 2026

Second Share

0.01%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.01%	$1

Sources (1)

skyfcu.org/services-tools/tools/rates.html · captured Sep 16, 2026

Strategic Savers

0.01%APY$5 to open

Secondary savings account. Must deposit a minimum of $5 per month to avoid the $5 monthly fee until a balance of $200 is achieved and maintained.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upDividends paid monthly based on average daily balance. $5 monthly fee waived if depositing at least $5/month until $200 balance achieved and maintained.$5 and up	0.01%	$1	Dividends paid monthly based on average daily balance. $5 monthly fee waived if depositing at least $5/month until $200 balance achieved and maintained.

Sources (2)

All captured Sep 16, 2026

Special-purpose accounts

Health Savings Account (HSA)

0.50%APYHSA

Must be covered under a qualifying HSA-compatible High-Deductible Health Plan (HDHP) and meet eligibility criteria (not enrolled in Medicare, not claimed as a dependent).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo monthly service fee. No minimum balance requirement.Any balance	0.50%	$50	No monthly service fee. No minimum balance requirement.

Sources (2)

All captured Sep 16, 2026

IRA Shares

0.15%APYIRA$25 to open

Traditional and Roth IRA savings options available. No setup fees, no monthly or annual maintenance fees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $9,999	0.05%	—
$10,000 – $24,999	0.15%	$15
$25,000 – $49,999	0.25%	—
$50,000 – $99,999	0.25%	—
$100,000 and up	0.50%	—

Sources (2)

All captured Sep 16, 2026

Roth IRA Fastrak

0.15%APYIRA$25 to open

Systematic savings account offering automatic deposits. Monthly deposits must total at least $25.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $999Requires minimum monthly deposit of $25.	0.05%	—	Requires minimum monthly deposit of $25.
$1,000 – $9,999Requires minimum monthly deposit of $25.	0.10%	—	Requires minimum monthly deposit of $25.
$10,000 – $24,999Requires minimum monthly deposit of $25.	0.15%	$15	Requires minimum monthly deposit of $25.
$25,000 – $49,999Requires minimum monthly deposit of $25.	0.25%	—	Requires minimum monthly deposit of $25.
$50,000 – $99,999Requires minimum monthly deposit of $25.	0.25%	—	Requires minimum monthly deposit of $25.
$100,000 and upRequires minimum monthly deposit of $25.	0.50%	—	Requires minimum monthly deposit of $25.

Sources (2)

All captured Sep 16, 2026

Christmas Club

0.01%APYClub

Club funds disbursed first week of November.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends paid monthly based on average daily balance. No monthly maintenance fees.Any balance	0.01%	$1	Dividends paid monthly based on average daily balance. No monthly maintenance fees.

Sources (2)

All captured Sep 16, 2026

Cubby Companion Savings (0-13)

0.01%APYKids and teens$5 to open

Designed for young members ages 0-13. Earns Cubby Dollars with deposits.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upMust maintain minimum balance of $25 to earn dividends. No monthly maintenance fees.$25 and up	0.01%	$1	Must maintain minimum balance of $25 to earn dividends. No monthly maintenance fees.

Sources (2)

All captured Sep 16, 2026

Montana Medical Care Savings Account

0.01%APYHSA

For Montana residents to pay for qualifying medical expenses. May offer benefits on Montana tax return.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo setup charges or service fees. Dividends paid monthly based on average daily balance.Any balance	0.01%	$1	No setup charges or service fees. Dividends paid monthly based on average daily balance.

Sources (2)

All captured Sep 16, 2026

Who can join Sky Federal Credit Union

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.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← Sky Federal Credit Union overview

How Sky Federal Credit Union’s savings rates compare

Sky Federal Credit Union savings score

Current savings rates

Managed Liquidity Money Market

Sky High Money Market

Free Kasasa Saver

Premier Money Market

Regular Money Market

Sky High Wealth Builder Plus

Borrow & Save Savings

WINcentive™ Savings

Wealth Builder Savings

First Time Homebuyer Savings

Regular Savings

Second Share

Strategic Savers

Special-purpose accounts

Health Savings Account (HSA)

IRA Shares

Roth IRA Fastrak

Christmas Club

Cubby Companion Savings (0-13)

Montana Medical Care Savings Account

Who can join Sky Federal Credit Union

Where you live or work

Family and household