Credit union · NCUA insured
Skyla Credit Union Savings Rates
Top CarrotSkyla Credit Union’s best savings rate is 2.15% APY on $10,000, with its Extended Insurance Account. Rates checked October 22, 2026.
How Skyla Credit Union’s savings rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Skyla Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Skyla Credit Union
4.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $401
Purpose Savings Account
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
3rd-highest rate
Truliant Federal Credit Union
3.40%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
Skyla Credit Union savings score
97
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0005.00%
- $10,000 balance$10,0004.01%
- $100,000 balance$100,0002.15%
- QualifiedQualified4.01%
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 Skyla 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.
Purpose Savings Account
Up to 4.01%APY
Tiered rate savings account. To qualify for higher dividend rates/APYs, member must deposit at least $25.00 per month and enroll in e-statements (otherwise a $2/month paper statement fee applies). Non-qualifying accounts earn 0.10% dividend rate / 0.10% APY across the entire balance. Each qualifying dividend rate applies to the portion of the daily balance within each tier. Limit of one Purpose Savings account per primary member. Dividends compounded and credited monthly. No monthly maintenance fee; includes 6 fee-free foreign ATM withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier 1 rate for qualifying accounts. Requires at least one monthly deposit of $25 or more and enrollment in eStatements. Dividends compounded and credited monthly. | 5.00% | — | Tier 1 rate for qualifying accounts. Requires at least one monthly deposit of $25 or more and enrollment in eStatements. Dividends compounded and credited monthly. |
| Any balanceRate applied to entire balance when monthly qualification requirements (at least one $25 monthly deposit and enrollment in eStatements) are not met. Dividends compounded and credited monthly. | 0.10% | $10 | Rate applied to entire balance when monthly qualification requirements (at least one $25 monthly deposit and enrollment in eStatements) are not met. Dividends compounded and credited monthly. |
| $1,000 – $10,000Tier 2 rate for qualifying accounts on balances between $1,000.01 and $10,000.00. Earns 3.928% dividend rate / 4.10% - 5.00% blended APY (promotional copy cites 4.00% APY). Requires at least one monthly deposit of $25 or more and enrollment in eStatements. Dividends compounded and credited monthly. | 4.01% | $401 | Tier 2 rate for qualifying accounts on balances between $1,000.01 and $10,000.00. Earns 3.928% dividend rate / 4.10% - 5.00% blended APY (promotional copy cites 4.00% APY). Requires at least one monthly deposit of $25 or more and enrollment in eStatements. Dividends compounded and credited monthly. |
| Over $10,000Tier 3 rate for qualifying accounts on balances above $10,000.01. Earns 0.10% dividend rate / 0.50% - 4.10% blended APY (promotional copy cites .10 APY). Requires at least one monthly deposit of $25 or more and enrollment in eStatements. Dividends compounded and credited monthly. | 0.10% | — | Tier 3 rate for qualifying accounts on balances above $10,000.01. Earns 0.10% dividend rate / 0.50% - 4.10% blended APY (promotional copy cites .10 APY). Requires at least one monthly deposit of $25 or more and enrollment in eStatements. Dividends compounded and credited monthly. |
Skyla Wealth Money Markets
1.25%APY
Only available for Skyla Wealth Members (must maintain a minimum balance of $500,000 across any Skyla deposit product, in assets under management with Skyla Investment and Retirement Services, or combined). If qualification ends, account converts to regular Skyla Money Market.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $50,000 | 1.25% | $125 |
| $50,000 – $100,000 | 1.50% | — |
| $100,000 – $250,000 | 1.50% | — |
| $250,000 – $500,000 | 2.75% | — |
| $500,000 and up | 3.50% | — |
Extended Insurance Account
2.15%APY
For qualified members only. Funds are distributed across participating credit unions and banks.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 and up | 2.15% | $215 |
Sources (1)
- skylacu.com/rates · captured Oct 9, 2026
Money Markets
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $50,000 | 1.00% | $100 |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 – $250,000 | 1.50% | — |
| $250,000 – $500,000 | 1.75% | — |
| $500,000 and up | 2.00% | — |
Primary Savings Account
0.10%APY
Dividends accrue daily and are paid quarterly. Requires par value of one share ($5.00) to open. Monthly service fee of $5.00 is waived with a minimum daily balance of $5.00. Requires $0.01 minimum daily balance to earn stated APY. Includes 6 fee-free foreign ATM withdrawals per month. Required to open additional credit union products.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Requires a minimum daily balance of $0.01 to earn the stated APY. $5.00 monthly service fee waived with a minimum daily balance of $5.00. Dividends compounded and credited quarterly.Over $0 | 0.10% | $10 | Requires a minimum daily balance of $0.01 to earn the stated APY. $5.00 monthly service fee waived with a minimum daily balance of $5.00. Dividends compounded and credited quarterly. |
Sources (4)
- skylacu.com/rates
- skylacu.com/hubfs/Website/PDFs/TIS.pdf
- skylacu.com/bank/savings
- skylacu.com/bank/savings/primary-savings
All captured Oct 15, 2026
Special-purpose accounts
IRA Accounts (Traditional, Roth, Educational)
0.50%APY
Includes Traditional, Roth, and Coverdell Educational IRA savings accounts. Account transfer and withdrawal limitations apply. Dividends accrue daily and are compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTruth-in-Savings Disclosure rates: 0.499% dividend rate / 0.50% APY. Dividends accrue daily and are compounded and credited quarterly. Applicable to Traditional, Roth, and Educational IRA savings.Any balance | 0.50% | $50 | Truth-in-Savings Disclosure rates: 0.499% dividend rate / 0.50% APY. Dividends accrue daily and are compounded and credited quarterly. Applicable to Traditional, Roth, and Educational IRA savings. |
Sources (4)
- skylacu.com/rates
- skylacu.com/hubfs/Website/PDFs/TIS.pdf
- skylacu.com/bank/savings
- skylacu.com/bank/savings/individual-retirement-account
All captured Oct 15, 2026
Holiday Savings Account
0.05%APY
Dividends accrue daily and are paid quarterly. Free withdrawals are permitted between November 1 and January 31. Early withdrawals made before November 1 or after January 31 incur a $10.00 fee per withdrawal. Optional automatic deposits available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends accrue daily and are compounded and credited quarterly. Withdrawals are free between November 1 and January 31; early withdrawals before Nov 1 or after Jan 31 incur a $10.00 fee per withdrawal.Any balance | 0.05% | $5 | Dividends accrue daily and are compounded and credited quarterly. Withdrawals are free between November 1 and January 31; early withdrawals before Nov 1 or after Jan 31 incur a $10.00 fee per withdrawal. |
Sources (4)
- skylacu.com/rates
- skylacu.com/hubfs/Website/PDFs/TIS.pdf
- skylacu.com/bank/savings
- skylacu.com/bank/savings/holiday-savings
All captured Oct 15, 2026
Who can join Skyla Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligible to join via partner association, the American Consumer Council (ACC).
Membership information collected October 4, 2026.